davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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. (TN)

I requested removal and reinvestigation by XXXX of an erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022. XXXX responded through letter dated XX/XX/2022 that they were " unable to verify the accuracy of the bankruptcy case.. '' and " subsequently removed this record from [ my ] XXXX report ''. XXXX removed and is no longer reporting this public record as of XX/XX/2022. 

I requested removal and reinvestigation by XXXX of the erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022 using certified mail - tracking number # XXXX. XXXX responded through letter dated XX/XX/2022 that they contacted " a third party vendor to obtain the most recent status of the public record '' and that they verified " public record items [ they ] obtainedthrough a third party vendor, XXXX ''. How could XXXX verify this bankruptcy record with XXXX? XXXX removed and is no longer reporting the public record as of XX/XX/2022. 

I requested a 2nd reinvestigation by XXXX of the erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022 using certified mail - tracking number # XXXX. XXXX again responded through letter dated XX/XX/2022 that they verified " public record items [ they ] obtainedthrough a third party vendor, XXXX '' and that they " have verified that this public record item is reporting correctly ''. Again, how could XXXX verify this bankruptcy record with XXXX? XXXX removed and is no longer reporting the public record as of XX/XX/2022. 

XXXX has committed multiple violations of the FCRA. Please see attachments. 

Additionally, Experian and XXXX have committed multiple violations of the FCRA concerning this matter. Both Experian and XXXX have failed to respond to my request for removal and reinvestigation within the 30 day period required by law. 

I sent the request for removal by letter to Experian dated XX/XX/2022 using certified mail - tracking number # XXXX. No response. 

I sent a second request for removal by letter to XXXX dated XX/XX/2022 using certified mail - tracking number # XXXX. No response.
Consumer complaint received 2022-09-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (TX)

First communication from company is a settlement offer letter with a list of supposed small balances that add up to a sizeable sum - all from a company I don't recognize. The letter does not contain mandated fdcpa dispute information or rights to dispute. I tried calling a provided number but went to a voicemail. I see no reason to provide information to a company that has failed to provide any information about the origin of this supposed debt, my rights as an alleged debtor, or a mechanism to talk to a person. 

Initiating contact via a settlement offer in the way they have runs afoul of the FDCPA and I ask for a civil penalty to be levied against them to ensure this practice is not continued.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This tradeline needs to be removed. A JUDGE declared iM Court that I am no longer responsible for this account. This was orginally a XXXX XXXX account, then sold to XXXX XXXX  and then to XXXX XXXX. It was dismissed making me no longer liable for account
Consumer complaint received 2020-07-17
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 12 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-07-18
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: CORELOGIC INC (CA)

XX/XX/21 I submitted a request for XXXX XXXX XXXX XXXX XXXX to freeze/cease providing any Consumer Reports they are sharing with any Person or Company. This action was not complied with and actions are still being done without my written consent or other permission. 

In accordance with the Credit Reporting Act my rights were violated.

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2020-06-28
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 (VA)

I learned today that I was unexpectedly charged an annual fee for this credit card. I found this out when I received an alert that a capital one credit card I have which was dormant meaning it hadn't been used for six months was just made active. The credit alert said that this could be because my card was just used fraudulently. I therefore called capital one and found out that in fact I was just charged an annual fee which was effective as of today. So I told capital one that I didn't want to pay this fee and that I have other credit cards with much better terms and that I really didn't need the card and could they please waive the fee. I would just cancel the card but I've had it for 10 years and would therefore rather keep it. They said they would change this account to a new format which does not have any fee but that I was still responsible for this year 's fee ( which is charged in advance and was just assessed ) even though my card will be changed over to the new format basically immediately. So I said that it doesn't make sense for me to pay this fee in full and that I need a pro-rated refund. It's like insurance -- if you change your the terms of your policy, they are forced to prorate a refund for whatever portion of the policy has not occurred yet. 
Since this fee is assessed at the beginning of the year they can't charge me for terms for the rest of the year when I only had this card for one day under the old terms. I explained this to them but they don't care. They said I still have to pay the fee no matter what.
Consumer complaint received 2020-07-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (OK)

We began the refinance process in mid XXXX with Chase. The broker promised a low rate with little or no points. The initial disclosure attached reflects this. We had multiple conversations with this broker he had a different story every time we spoke. We did understand that some information would change. But he blatantly lied. We ask that our rate be locked verbally in a phone call with the broker and he verbally told me it was locked while I could hear him taping away on the key board. I assume for effect. He later then told me that no it wasn't locked and that there was a glitch with their computer system XXXX I have a phone recording I can provide ). He promised to work with us to lock in a lower rate and reduce the costs of the loan and that he would check the market daily so that we could achieve the best rate. After sometime, it was determined that an appraisal was needed they then hired an appraiser and only authorized an external inspection of the property and only completed one method of the normal three methods to determine property value while also cherry picking recent sales. The appraisal doesn't include the value of a detached accessory dwelling that is worth at least {$30000.00} dollars. I believe they influenced this appraisal to achieve an end objective which resulted in much higher closing costs and rates reflected in the attached updated disclosure. We felt pressured to pay the {$500.00} dollar application fee by the broker initially because " he claimed that he couldn't lock in the rates until we paid the fee ''. Then as stated above claimed that the rate wasn't locked in because of a computer glitch.
Consumer complaint received 2022-07-18
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. (TN)

I requested removal and reinvestigation by XXXX of an erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022. XXXX responded through letter dated XX/XX/2022 that they were " unable to verify the accuracy of the bankruptcy case.. '' and " subsequently removed this record from [ my ] XXXX report ''. XXXX removed and is no longer reporting this public record as of XX/XX/2022. 

I requested removal and reinvestigation by XXXX of the erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022 using certified mail - tracking number # XXXX. XXXX responded through letter dated XX/XX/2022 that they contacted " a third party vendor to obtain the most recent status of the public record '' and that they verified " public record items [ they ] obtainedthrough a third party vendor, XXXX ''. How could XXXX verify this bankruptcy record with XXXX? XXXX removed and is no longer reporting the public record as of XX/XX/2022. 

I requested a 2nd reinvestigation by XXXX of the erroneously reporting bankruptcy record. I sent the request by letter dated XX/XX/2022 using certified mail - tracking number # XXXX. XXXX again responded through letter dated XX/XX/2022 that they verified " public record items [ they ] obtainedthrough a third party vendor, XXXX '' and that they " have verified that this public record item is reporting correctly ''. Again, how could XXXX verify this bankruptcy record with XXXX? XXXX removed and is no longer reporting the public record as of XX/XX/2022. 

XXXX has committed multiple violations of the FCRA. Please see attachments. 

Additionally, XXXX and TransUnion have committed multiple violations of the FCRA concerning this matter. Both XXXX and TransUnion have failed to respond to my request for removal and reinvestigation within the 30 day period required by law. 

I sent the request for removal by letter to XXXX dated XX/XX/2022 using certified mail - tracking number # XXXX. No response. 

I sent a second request for removal by letter to TransUnion dated XX/XX/2022 using certified mail - tracking number # XXXX. No response.
Consumer complaint received 2022-09-17
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. (GA)

In accordance with the Fair Credit Reporting act XXXX GEORGIA 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 a account without my written instructions
Consumer complaint received 2020-06-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: ENOVA INTERNATIONAL, INC. (AL)

About the time the pandemic started, netcredit suspended my line of credit despite my having paid 1000 % the required payment. The company emailed me, while having a perfect payment history, that my line of credit was suspended due to the pandemic, yet didnt offer a reason my line was being suspended. I contacted them. They said in not so many words, tough, you still owe XXXX XXXX Since they did that, I suspended their ability to draw out of my bank account. Afterwards, they made making a payment XXXX near impossible. They also gave relief to COVID affected customers but not to me.
Consumer complaint received 2022-07-18
Product: Vehicle loan or lease — Loan
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: ALLY FINANCIAL INC. (CA)

On XX/XX/XXXX I traded my used vehicle to XXXX XXXX that was currently being financed by Ally Financial. XXXX XXXX cut a check and mailed to Ally Financial on XX/XX/XXXX. I was advised by XXXX not to pay XXXX bill because it was to included in the final payout. 

However, Ally claimed to not have received final check from XXXX. I contacted customer support on a daily basis explaining to them that the vehicle had been sold to XXXX XXXX. XXXX XXXX also contacted Ally directly to let them know a new check would be issued and on XX/XX/XXXX, they sent it overnight via XXXX. On around XX/XX/XXXX, Ally reported my account 30 days past due. And on my Ally statement it shows receipt of two payments, the claimed lost check and the new check. Both were posted on XX/XX/XXXX. Yet, per my payoff letter, financial obligation of this vehicle was met as of XX/XX/XXXX ( see attached ) The 30 days past due report on my credit has resulted in a XXXX to XXXX point decrease across all reporting agencies. I've filed a dispute with all three agencies who concur with Ally and refuse to update my credit report. I've provided documentation to no avail.
Consumer complaint received 2021-03-05
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 (AL)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-07-18
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: ID Analytics, Inc. (CA)

XX/XX/21 I submitted a request for XXXX XXXX XXXX XXXX XXXX to freeze/cease providing any Consumer Reports they are sharing with any Person or Company. This action was not complied with and actions are still being done without my written consent or other permission. 

I

n accordance with the Credit Reporting Act my rights were violated. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2021-03-02
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 (CA)

PayPal close my account for no reason and will not help me with getting it back up and going I am not sure if this is some mistake as I assume it has to be I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and its affecting me a great deal as I used PayPal quite frequently my email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-03-04
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 (WA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently and have a reasonably large sum money being held by PayPal that they are not allowing me access to. My email linked to my PayPal is XXXX.
Consumer complaint received 2020-06-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AZ)

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-amerisave-to-pay-19-3-million-for-bait-and-switch-mortgage-scheme/ They are still doing this they take a {$500.00} fee, and you never here from them again, or they just tell you your property doesn't quailify. Of coarse the keep the money Told me it would be refunded in 7-10 days that didn ; 't happen told me to have the bank reverse the charges I did that, and they filled a claim to prevent it.I 's all baseed on lies.They took money out of my account on the XXXX XXXX XXXX https : //www.consumeraffairs.com/finance/amerisave_mortgage.html. just read the complaints it's wide spread fraud again.Same people smae fraud a different year.
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed item as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}.
Consumer complaint received 2020-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2020, a Sunday, I noticed my Paypal account was showing 10 unauthorized transactions. They were occurring even as I looked at my account online. 
They were for items mostly around $ XXXX dollars for distillery product, groceries, XXXX, XXXX, clothes, and more. The total was around {$230.00} before I could change my security settings such as pin, password, and add a code by phone prior to use debit card. I had my debit Mastercard and nobody else had a copy. Nobody else was given my pin for the card either. It was like somebody had my card and pin in a store and was buying things. It appeared to be an inside hack job or maybe stole a skim for my Paypal debit master card. I reported this to resolution. I tried to call Paypal to report some unauthorized activity but no live person was available. The activity stopped after I changed the pin or increased security measures that evening. I had not used my Paypal card for several days prior to this. I have not used it since XX/XX/2020 either. 
The next day my personal bank account began receiving charges from Paypal. It is strange that I did not have my bank set for auto back-up as the activity was occurring. Yet the charges were forwarded to be paid by my XXXX XXXX account. I reported to XXXX immediately to block these unauthorized charges. Eventually, XXXX did it and would not allow Paypal to transfer charges to my bank account. I did not have my bank pay any charges and have blocked them from getting to my personal XXXX account. I have tried to close the account with Paypal. There is a credit of about {$35.00} in the Paypal account. I do not care about that since I had not used it for any of the unauthorized charges. My account is " Limited '' by Paypal and they even wanted me to give them my PW for my XXXX account and a copy of my statement. It is apparent that Paypal is not accepting the activity on XX/XX/2020 as unauthorized. I am surprised by this since Paypal had generally been helpful for many years as a safe way to do online transactions. Paypal is not allowing me to close the account online. I have written a half dozen messages to explain to me how this could happen. They do not respond and just leave the account dangling in a " Limited '' status.
Consumer complaint received 2022-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Skrill USA, Inc. (AZ)

My issue is with the company SKRILL ( they tout themselves as a XXXX alternative ). 

On XX/XX/XXXX at XXXX local time I withdrew {$250.00} from my bank account to my new Skrill account. The website says " goes to your wallet in seconds '' ( photo attached ) and below that it says up to 3 business days ( well which is it?? ). 

Not only was it NOT in seconds ... .OR 3 business days for that matter, it was 5 business days as the money finally showed up after being in pending status on XX/XX/2022. 

I called multiple times and asked to cancel and they said " sorry there's nothing we can do, you'll just have to wait ''. 

Money finally shows up and at this point I just want to withdraw it and forget I signed up for an account and cancel my account. They want to charge me {$5.00} to return my own money, UNLESS I downloaded their app on my phone, then it would be free. 

Yeah ... .not doing that ... .so I transferred the money to my online sportsbook and withdrew the money FOR FREE ( as it should be ) and CANCELED my Skrill account. 

Horrible experience, wasted HOURS of time with them and want their LIES exposed.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I recently obtain a copy of my credit report and noticed some errors. I noticed multiple addresses that I never resided, also incorrect name being reported. I attached a copy of my social security card and proof of address. ( SEE ATTACHMENTS ) MY report should only reflect one name and address.