davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2022-08-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK (TN)

XXXX XXXX XXXX XX/XX/2022 Loan # XXXX To whom it may concern : I was transferred over from XXXX Mortgage in XX/XX/2022, before I was transferred I completed my Loan modification in XXXX of XXXX Since then, Midland mortgage continues to say that my loan modification hasn't been completed and that they are waiting for the VA to accept the partial claim. I contacted the VA and spoke to the assigned representative handling my case. She advised that the partial claim has been completed and that Midland Mortgage should have all the information to update my account. However, every time I call Midland, they tell me that they are waiting for the VA. This delay has caused me stress and is delaying my refinance since I can't order a payoff until my account is updated to reflect the partial claim. I've spoken to multiple agents at Midland and asked to speak with a supervisor but they continue to tell me that my request is pending review. I have done everything on my end but I continue to get the run around from Midland. Please help me get this resolved so I can move forward with my refinance. 



XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2020-09-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2022-07-11
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. (SC)

In accordance with fair credit reporting act XXXX  account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


XXXX XXXX Original creditor : Balance details XXXX % of this account is paid off Balance on XX/XX/XXXX {$180.00} Original balance {$180.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status date XX/XX/XXXX Comments No Comments Statements No Statements Contact info Name XXXX XXXX  Address XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Is everything correct?
Consumer complaint received 2020-09-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I XXXX XXXX is taking time to submit a complaint against Capital One Auto Finance as a member of the XXXX XXXX, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$4900.00} that is reported on my credit bureaus is from a car accident I had back in 2018, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. Capital One Auto Finance has its own internal insurance based on these types of scenarios that are also reported in their 10Q quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by COAF and their internal reporting process on charged-off secured debts, and the balance should be deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. Capital One Auto Finance is using a XXXX accounting system that hurts consumers in the XXXX Community, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with Capital One Auto Finance, it will find that racism is a part of its back end profits they simply are not entitled to. My credit report is being held hostage for a minor profit that may sound small in scale to the wealthy corporate giant like Capital One Auto Finance, but believe me, this negative reporting has hurt me badly financially. My balance must be XXXX immediately, and as a professional courtesy by Capital One Auto Finance, the entire account should be deleted off of my credit reports with XXXX, XXXX and XXXX XXXX collectively. Capital One Auto Finance is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through Capital One Auto Finance internal self-insurance capacities. 
XXXX XXXX
Consumer complaint received 2023-04-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Ive tried to resolve this issue with Wells Fargo Bank NA in regards to a FHA mortgage that it isaid they were the holder in due course of the note and mortgage. I've was able to do a loan audit and found said loan in a XXXX XXXX XXXX called XXXX XXXX.
Consumer complaint received 2021-06-02
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

these accounts don't belong to me. Please remove them from all 3 credit reporting agencies.

Please see below the list of accounts that are reporting derogatory on all credit reporting agencies : 1. Identity Theft CAPITAL ONE / SAKS F Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-10-27
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 (FL)

There are 2 issues - We purchased an item through PayPal. As we later discovered the item was sold by a XXXX company. It arrived in pieces and unusable because it was very cheaply constructed and very poorly packaged. 

We took photos on opening ( the box was destroyed so we highly suspected the product was going to be damaged ). We sent photos and PayPal advised us that we had to return the product to XXXX at our expense. As it turns out, this was more expensive then the product was. PayPal offered no further assistance. 

We would expect that, given the timeliness of our actions and thoroughness of the documentation we provided PayPal, that PayPal would refund our money ( {$30.00} ) and hold the manufacturer and/or shipper accountable. They refused. 

The second issue is that we were so frustrated with Paypal that we attempted to close our account. When we attempted this we received an error message that said we had to notify customer service. There is no phone contact information so we messaged through the PayPal website. We did this 3 times stating we would like to close our account and asked PayPal to delete all of our personal information including, but not limited to, contact information, account activity, etc. - and to eMail us a confirmation when that was done. 3 times we have received messages back stating we should " rethink '' our position and not close our account. When we were really, really insistent, PayPal sent us instructions on how to close the account - these were the same steps we followed initially when given the message to contact Customer Service. Regardless, we tried to close the account again and received the same message to contact customer support. 

We have tried to be polite ( even though we disagree with PayPal ). PayPal has been unresponsive to either of our requests and we are fed up dealing with them. We have yet to have them carry out any of our simple, straight-forward requests - and they have not closed our account.
Consumer complaint received 2020-09-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I called Experian on XX/XX/20 because my FICO score dropped 41 points. I spoke with a supervisor named XXXX. He and I agreed that the only thing that changed on my credit report from the previous month was that I had a {$0.00} balance on my credit card because I don't usually carry a balance on my account if I can help it. I DID NOT close the account. I just try to not keep a {$0.00} balance because the interest rates are so high and there is {$0.00} interest if I do not carry a balance. 

Supervisor XXXX told me that an algorithm made the change and that is not disputable unless I hired a licensed credit repair specialist to investigate my " dispute ''. I don't know why I would have to hire this person and I was NOT disputing anything. I just wanted to know why my score dropped and XXXX refused to assist me. 41 points is a huge drop and I need this fixed promptly.
Consumer complaint received 2020-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (WI)

I signed up for a Target Credit Card and they sent it to the wrong address. Instead of the one on my application it was sent to an incorrect one on my credit report. 
I never got it or the bill. I finally called them and told them about the error. 
They corrected the address and sent me the card to my current address. 
They took my bank card number and paid my bill stating they would remove the interest fees and late charges. I did receive the card but they decided to leave the late charges. My local USPS office is very strict with rules and they started turning their mail back as un-deliverable after receiving the card. When I went to the Target website to activate the card they said they were attempting to collect a debt, I tossed it. 
They now call me 3 times a day from XXXX to try and collect the late fees that I am not supposed to owe them. I am even getting a new phone to stop this but I felt I should report it to someone. They are also damaging my credit report.
Consumer complaint received 2022-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Remitly, Inc. (TX)

On XX/XX/2022 passed XXXX PM I received a text message saying. " Answer your phone, this is Remitly needing to verify a transaction that is posted on your account. '' I then answered my cellphone. The person on the other line gave me an instruction that a code will be texted to my phone and it is important for me to read it back to him in order to cancel the unauthorized transaction. And so I did. A minute later I received another phone call instructing me that another code will be sent to verify my E-mail address. This was when I realized that this was not a normal transaction with Remitly. I then contacted Remitly and informed their customer service. Next I checked my bank account that is link to my Remitly account. and I saw XXXX unauthorized withdrawals by Remitly within minutes I received that phone call. 
{$980.00}, {$980.00}, {$960.00}, {$960.00} that totaled to {$3900.00}. 
I contacted XXXX XXXX XXXX immediately not to release the money and reported the transactions as fraud. Since then I called and spoke to customer service of Remitly and XXXX XXXX XXXX several times. Remitly closed my account. I was instructed once that XXXX XXXX XXXX has to request the money for them to return the amount. I informed XXXX  XXXX XXXX by phone and letter but twice they closed my claim saying UNPAID. 
And since I did not have {$3900.00} in my account XXXX XXXX XXXX did an overdraft deposit from my credit card to pay the unauthorized transactions and charges me an interest on it. 
Please help me.
Consumer complaint received 2020-10-01
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. (GA)

XXXX XXXX XXXX and Transunion are failing to report the following accounts are in fact In Dispute. XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX  partial account number XXXX. XXXX is failing to report the following account is in fact In Dispute. OTHER COLLECTION AGENCIES partial account number XXXX. ( Please see pages attached from my credit report. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER XXXX XXXX XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2020-09-10
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (WA)

On XX/XX/2020 I received a phone call from a woman named XXXX XXXX at XXXX XXXX   regarding a " watch over case '' that is being prosecuted through the county I live in. In the voicemail from XXXX XXXX, she states that my rights will be legally fortified if I do not respond. XXXX XXXX also threatens to contact my place of employer to get hold of my supervisor to find my location. XXXX XXXX also contacts a relative of mine with the same information saying that I am being legally prosecuted by the county I live in. 

I call the number back and it's an alleged debt collector called " XXXX XXXX XXXX ''. They tell me I owe a debt of {$130.00}, and the " responding officer '' is on my case but will not tell me more information. They put me on hold to " unlock '' my case so I can be told more information, while they put me on hold I hang up the phone and I call the county courthouse to see if there are any open cases against me. The county district courthouse has no pending or open cases against me, and I call Ace Cash Express from whom " XXXX XXXX XXXX '' says that is where my debt is and I have no outstanding debt with Ace Cash Express. I have not been made in contact with ACE cash express, no collection letters, or nothing being reported on my credit history.
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION (PA)

I am a member of this bank with member number XXXX ... My account was frozen for the past 4 weeks ... I was asked to submit verification documents which I already did. Whoever is in charge has been making it his personal mission to frustrate me. I do believe that this is a deliberate attempt to make me suffer. I have money for my business and bills in the account. I submitted all original documents I was asked for but it seems i am being pushed around and taken for granted. I don't have my SSN card which isn't unusual for some Americans. I have provided a picture of my Driver 's license, passport, W2, form 1040, Electricity bill, IRS tax notice. I have all physical proof of this documents and is willing to do a video call to show whoever is in charge to unfreeze my account. I need my money and its a matter of life and XXXX for me.. I believe someone might see this and definitely help me out. My unemployment benefits are deposited into the account along with direct deposit transfer from my VA debit card.. If they won't let me use my account anymore with PenFed, I should be able to get my balance through a check and have the account closed down. I have not done anything wrong while being a member. 
This is a plea from a lonely old woman who don't want to become homeless because someone wants to play XXXX
Consumer complaint received 2022-08-01
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)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX and XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX Balance : {$2600.00}
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Section 611 ( a ) ( 4 ) Right to Demand Deletion if No Response from Furnisher : - If a data furnisher fails to respond to a dispute within the required 30-day timeframe, the credit bureau must delete the disputed information from the consumer 's credit report. This provision is powerful if data furnishers do not comply with their obligation to verify disputed information promptly. These provisions offer robust protection under the FCRA and can be used to challenge persistent inaccuracies and ensure that both credit bureaus and data furnishers maintain accurate and fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to ensure that all information reported is accurate and verifiable. Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, requires debt collectors to validate debts upon request. This debt collection account has not been properly verified, which is a clear violation of these federal laws. The recent court case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reaffirms that credit bureaus must conduct a thorough and reasonable investigation into disputes to ensure that reported information is accurate.