davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
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. (FL)

On XX/XX/2021 I paid XXXX XXXX the full amount of my delinquent credit card debt in the amount of {$440.00}. TransUnion refuses to update my account status. I have disputed this information and they continue to erroneously report false information.
Consumer complaint received 2021-09-10
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. (FL)

I received a copy of my credit report and found the following item to be errors. See the attached copy of my credit report. Here as follows are items in error : 1. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
I sent disputing letter to the Bureaus and Bureaus did not reply to my letters. It's been more than 50 days since I sent disputing letter to the Bureaus.
Consumer complaint received 2021-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NV)

I was scammed by a pet scammer of {$900.00} 2 weeks ago via zelle. the website that i had found them on was XXXX XXXX XXXX. the information on the website seemed legitimate and they claimed to be a family etc. They even offered for me to pick up the puppy in person. even though im usually very skeptical, i started to feel a bit more at ease because they gave me the option to see the puppy first. 

To keep a long story short, the scammer contacted me via email and text -- we conversed for a while regarding the puppy over text until i came to the decision that i would go through with the purchase. the scammer suggested XXXX XXXX  or zelle for payment method. Initially, he said that I would only have to pay half and the rest once I receive the pupppy. I already had XXXX XXXX  and wanted to move forward with that and the person tried to push zelle because it was " faster ''. I proceeded to process through XXXX XXXX  saying that i didnt want to set up zelle if i already had one of the payment options set up. The payment was pending because it was coming out of my bank and the person notified me that he was unable to send the medical documents of the dog or " transfer of ownership '' until he received the first payment. the dog was a gift for my my mom because of recent XXXX that she has been going through due to the death of her 2 best friends. 

i ended up using zelle from my bank. of course, i trusted the person to keep to his word of refunding the XXXX payment if the zelle went through, but in the end, he did not refund either payment. i contacted my bank and they were able to refund me my XXXX XXXX  payment, however was unable to do so for zelle. at this point in time, i have contacted zelle via telephone 6 times and emailed them 4 times, submitted a scam claim through them as well as on a federal website. 

zelle confirmation number : XXXX, ID # : XXXX
Consumer complaint received 2022-02-10
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)

equifax is reporting a negative account in my credit file, i have never heard of this lender, and they are reporting this lender, twice!!! i have been writing them over a year, and i'm getting no response, from equifax CRA.
Consumer complaint received 2021-09-10
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. (FL)

I received a copy of my credit report and found the following item to be errors. See the attached copy of my credit report. Here as follows are items in error : 1. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
I sent disputing letter to the Bureaus and Bureaus did not reply to my letters. It's been more than 50 days since I sent disputing letter to the Bureaus.
Consumer complaint received 2021-08-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

I had an FHA loan with XXXX Bank. I sold the home. Loan was paid off and closing on XX/XX/XXXX. 

On XX/XX/XXXX I received a check from TIAA Bank dated XX/XX/XXXX for {$940.00} for misapplication reversal. Please see attached. The check was void after 90 days, however, I didn't receive the check till 5 months after it was dated. I attempted to cash the check and it bounced. 

I attempted to call TIAA Bank but there mortgage business no longer exists. There was no one to talk to, just automated messages. The call eventually transfers to XXXX who now services TIAA Loans. Once again there is no actual person to talk to at XXXX, it's just automated messages. 

Since there was no one to talk to, I wrote TIAA Bank a letter on XX/XX/XXXX. In the letter I requested to file a complaint. I have not received a response.
Consumer complaint received 2021-08-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (AZ)

I have been trying to work with Amex on since XX/XX/XXXX. They cashed payoff funds in the amount of {$2300.00} on XX/XX/2019. They claimed they never received funds, even though I have given them copies of the bank statement several times, along with the routing numbers. I have received confirmation that they received the required documentation. There was a second payment made in the amount of {$2800.00}. They have acknowledged that they received that payment and they were suppose to be refunding that amount to me. Direct quote from Amex " The check is in the mail. '' Instead I received a letter that said no refund could be issued be there was no funds in the account. I have multiple disputes opened and closed and opened and closed. I have been transferred from the Closed Accounts, to Customer Service to Supervisors to the Escalation Department and now I am told that it is in the Billing Department and that a Supervisor will call me back. They have screwed up my address on the credit report which is now fixed. They have put multiple marks on my credit report. This is not right.
Consumer complaint received 2021-08-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I am trying to work on my credit score. I sent multiple letter to XXXX stating I only have one name, live at one address and who my employer is. They have not updated their historical information on my profile. If I send you a letter stating what is accurate and what is out of date why would they not fix these things. I have even called over the phone to try and get them to delete names, addresses and employers that are not attached to me. I want my personal information to be reflected correctly. Not only have I been sending letters regarding my personal information I have been disputing some accounts on my report. I have not been late on my payments and if I was considered late I have not been notified. XXXX is supposed to validate their information on me and I have not seen any letter validating i was late for XXXX XXXX or XXXX. There are also unauthorized inquiries on my report that are not validated. I have asked that these inquiries be deleted as well. It has been more than 45 days since I sent my letters. I would think a No response and no verification on information allows for my accounts to be updated to reflect positive or be deleted.
Consumer complaint received 2022-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2022 I made an electronic transfer via Paypal to the wrong contact in my address book. The amount was for {$510.00}. As soon as I realized the mistake I followed the actions posted on PayPal 's website to resolve the accidental payment. I attempted to message the individual and to formally request a refund using Paypal 's platform. I also submitted a ticket for a resolution with their Help Desk. 
On XX/XX/2022 Paypal responded with a Case Closed response stating that the transaction wasn't eligible for PayPal Protection, however that Protection is afforded only to items sold on their website, it is not to be used as a Protection effort against accidental or unauthorized transactions. Therefore, PayPal should have further investigated the complaint, taking more time and a different approach to the error. At no time did I state there were items in dispute, but the overall transfer. 

The transfer was a mere mistake. Paypal should have within their power to retract a transaction that was sent in error, without negative consequences to the consumer. I feel Paypal is not taking proper, fair steps in recovering my funds. 

I find it unreasonable and criminal on the part of Paypal, allowing such an easy fix to slide to the side and be denied. I have been a loyal consumer for the financial institution with no negative instances in the past and feel this, also, should be taking into consideration regarding my claim.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Bureaus, Inc. (IL)

I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

There is a fraudulent collection that's been reinserted in my credit report. Mailed FTC Identity theft report to all XXXX credit bureau 's on XX/XX/23. It was processed and the item was removed by all XXXX. I noticed that it was back on my Equifax report again earlier this month. I disputed the item and Equifax refused to remove it from my report, stating that it's accurate. This isn't true, it's the same account that was removed before but with a different account number. The original account number was XXXX and new account number is XXXX. I don't feel they did a thorough investigation because the duplicate account wasn't taken into account. This is seriously affecting my life and ability to provide for my XXXX child.
Consumer complaint received 2021-08-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Related to NYS Attorney General File # XXXX attached XXXX XX/XX/XXXX communication stated : our records indicate that on or about XX/XX/XXXX, Mr. XXXX accepted our offer of an exchange for his phone Related to # s XXXX and XXXX, Consumer Financial Protection Bureau communicated : STATUS Company response is in progress as of XX/XX/XXXX. 

XX/XX/XXXX and XX/XX/XXXX follow-up resolving texts were received from XXXX, # XXXX : " Hello XXXX XXXX, This is XXXX with XXXX XXXX XXXX XXXX. We will be reaching out to offer you a refund due to the time it has taken to get a device in stock. What is a good contact # and time for us to go ahead and reach out to get the process started? Background : 4 months past, the initial communication from XXXX was XX/XX/XXXX : Good Morning this is XXXX the supervisor of the XXXX XXXX XXXX XXXXHere is your ticket # : XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, attached letter advised : still investigating your dispute claim. 

XXXX supervisor XXXX refund offer was accepted, never an exchange as XXXX XX/XX/XXXX mischievously reported to and by NYS Attorney General. The scope, confusing and credit score negative impact of XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, credit bureau reporting is attached ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit Bureau Reporting. 

4 transactions are detailed in attached PURCHASE of XXXX XXXX XXXX XXXX XXXX and RETURN of XXXX XXXX  XXXX. The XX/XX/XXXX and XXXX, XXXX refund of the XXXX XXXX XXXX XXXX purchase ( 1 ), XXXX  XXXX return ( 4 ) and 2 other related transactions ( 2 and 3 ), as evidenced in attached, remains awaited. 

Please confirm the transaction order of the XXXX supervisor XXXX refund to be 4, 3, 1 and 2. 

Reply, reflecting XX/XX/XXXX and XX/XX/XXXX promised XXXX refund, from XXXX XXXX XXXX XXXX  XX/XX/XXXX letter also remains awaited. 

Confirmation is awaited from XXXX  and XXXX  that they will not be willing maligned participants in the XXXX XXXX XXXX XXXX XXXX mischief as they did to my burdensome XXXX fraud hurt ( XXXX XXXX account # XXXX XXXX XXXX ), re : attached ACTIVITY ON XXXX  AS REPORTED BY XXXX  XX/XX/XXXX to XXXX XXXX. 

Equifax chose avoidance of the XXXX fraud. Confirmation is awaited from Equifax that they will not be willing participants in the XXXX XXXX XXXX XXXX XXXX mischief.
Consumer complaint received 2022-10-22
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. (LA)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureau XXXX XXXX Experian and/or XXXX ) credit report XXXX My latest credit report shows ( XXXX ) credit inquiry/inquiries that I did not authorize. I am writing to dispute the following inquiries and asking for their removal from my credit report. 

Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXXXXXX XXXX Account Number XXXX Account Type Debt Buyer Account Name XXXXXXXX XXXX  Account Number XXXX Account Type Debt Buyer Account Info Account Name XXXX XXXX  Account Number XXXX Account Type Debt Buyer Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. Thank you for your assistance. Sincerely, XXXX XXXX
Consumer complaint received 2021-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

Invoice ID : XXXX I received update for my case from PayPal on Sunday XXXX XX/XX/2021 stating that " we had to deny your claim ( s ). This decision was made because we received shipment tracking from the merchant confirming that the merchandise was delivered ''. I immediately called PayPal and the CS track the package nothing such as item delivered to me update. Instead, the update is package returned to the shipper on XXXX XX/XX/2021. 

Therefore, the CS reopen the case on XXXX XX/XX/2021. Same day with case closed and promised I will get my refund. The call also recorded. Please check. At the same day XXXX XX/XX/2021. The case closed again. Stating that I'm ineligible for buyer protection. 

To conclude the situation. Item returned to seller but PayPal lied that tracking shows delivered when its not. And after case reopen because of my appeal. Case close again and PayPal stated im ineligible for buyer protection. Which is so unethical and unacceptable. How come PayPal run with client money after receive package back? And after confronted that PayPal make excuse that item delivered when its not? And less than 24 hours close the case again and change the reason. 

Attached the email received from PayPal. Call recording with PayPal from XXXX XX/XX/2021, XXXX XX/XX/2021 and XXXX XXXX XXXX acknowledged item returned to the shipper. And promise of full refund {$2700.00}. PayPal also can check call recordings stored in PayPal data base Note : PayPal also record every call made to them for quality purposes. Therefore please CFPB to review the call recordings because call recordings i have is match with PayPal database
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I pad JPMCB the full balance of my credit card which was {$1100.00}. XXXX  refuses to update my credit file with proper information pertained to this account, they refuse to fix my report. I will attach a detailed letter outlining my dispute.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I have two outstanding collection accounts with Portfolio Recovery Associates. I was sued two times in small claims court by PRA, both cases were dismissed by the courts. Portfolio Recovery Associates continues to report the collection accounts to the credit bureaus and refuses to remove the accounts.
Consumer complaint received 2021-08-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Related to NYS Attorney General File # XXXX attached XXXX XX/XX/XXXX communication stated : our records indicate that on or about XX/XX/XXXX, Mr. XXXX accepted our offer of an exchange for his phone Related to # s XXXX and XXXX, Consumer Financial Protection Bureau communicated : STATUS Company response is in progress as of XX/XX/XXXX. 

XX/XX/XXXX and XX/XX/XXXX follow-up resolving texts were received from XXXX, # XXXX : " Hello Mr. XXXX, This is XXXX with XXXX XXXX XXXX XXXX. We will be reaching out to offer you a refund due to the time it has taken to get a device in stock. What is a good contact # and time for us to go ahead and reach out to get the process started? Background : 4 months past, the initial communication from XXXX was XX/XX/XXXX : Good Morning this is XXXX the supervisor of the XXXX XXXX XXXX XXXXHere is your ticket # : XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, attached letter advised : still investigating your dispute claim. 

XXXX supervisor XXXX refund offer was accepted, never an exchange as XXXX XX/XX/XXXX mischievously reported to and by NYS Attorney General. The scope, confusing and credit score negative impact of XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, credit bureau reporting is attached ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit Bureau Reporting. 

4 transactions are detailed in attached PURCHASE of XXXX XXXX XXXX XXXX XXXX and RETURN of XXXX XXXX  XXXX. The XX/XX/XXXX and XXXX, XXXX refund of the XXXX XXXX XXXX XXXX purchase ( 1 ), XXXX  XXXX return ( 4 ) and 2 other related transactions ( 2 and 3 ), as evidenced in attached, remains awaited. 

Please confirm the transaction order of the XXXX supervisor XXXX refund to be 4, 3, 1 and 2. 

Reply, reflecting XX/XX/XXXX and XX/XX/XXXX promised XXXX refund, from XXXX XXXX XXXX XXXX XX/XX/XXXX letter also remains awaited. 

Confirmation is awaited from Experian and XXXX  that they will not be willing maligned participants in the XXXX XXXX XXXX XXXX XXXX mischief as they did to my burdensome XXXX fraud hurt ( XXXX XXXX account # XXXX XXXX XXXX ), re : attached ACTIVITY ON EXPERIAN AS XXXX XXXX EXPERIAN XX/XX/XXXX to XXXX XXXX. 

XXXX  chose avoidance of the XXXX fraud. Confirmation is awaited from XXXX  that they will not be willing participants in the XXXX XXXX XXXX XXXX XXXX mischief.
Consumer complaint received 2021-08-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

XXXX XXXX XXXX willfully and intentionally reported inaccurate information on my credit report reporting the same account with the same balance twice under two different accounts. This has hurt my credit score twice as much for the length of time they have been committing this violation. I have already disputed and brought this violation of my right to both the debt collector and the 3 major credit bureaus. Equifax has removed this account but XXXX  and XXXX  continue daily to violate my rights by continuing to report this inaccurate information on my credit report
Consumer complaint received 2021-08-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

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.