davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jonathan Neil & Associates, Inc (CA)

On XX/XX/2022, I reviewed the response made by the debt collector regarding my previous CFPB complaint. 

I would like to notify the debt collector that I did not have any insurance specified by the debt collector. This is also why I am disputing the debt. 

I still request this debt collector not to report this debt to any credit bureaux and verify the debt with me because I did not have any connection with their purported claim.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX VERIFICATION OF HOW DEBT WAS VALIDATED
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MI)

I opened an American Express XXXX Card in XX/XX/2021. At the time, the promotional offer under which I applied was for 100,000 bonus points after {$6000.00} in spending. 

Approximately one week after receiving my card in the mail, I received a promotional flyer for the exact same card from American Express. The card was sent to my permanent address and mailed in my name. However, this promotional offered 150,000 bonus points. Feeling a bit bothered by the second offers terms being so much more lucrative in light of the recency with which I had applied, I called American Express to see if anything could be done. 

During one such call, I was informed by an authorized agent of American Express that if I received this conflicting offer in the mail to my address and in my name within a certain period of days of opening my card ( I think it was 60 days ). In any event, we were agreed that I had meet the terms of the offer. The authorized agent then directed me to a location on American Express ' website where I could upload a document substantiating my claim within a category coded " Better Offer. '' He then advised me that, if all was as I had said, I would in fact be eligible for the better offer terms. He made it clear that he was making this assertion after reading from an internal form providing him with guidance ; he informed me that his form made it clear that he could advise me that I should be eligible of all of my claims could be substantiated. Finally, I was informed that if I did not hear back I should simply call to follow up. 

After having thrice followed up since, each time I have been told that his assertions were incorrect and that I am therefore ineligible. However, I find this resolution to be entirely unacceptable and incompatible with CFPB protections, as well as a litany of Michigan consumer financial protections. In reliance upon American Express ' authorized agent 's assertions, I went on using my new American Express card in order to satisfying the required spending threshold of {$6000.00}. 

Had he made a different representation, I could have at that time attempted to convert my card type and make purchases toward a different card 's bonus offer requirement spending threshold. By now, several months later, I have nearly met that threshold.
Consumer complaint received 2021-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NM)

I would like to file a complaint against the main entity of PayPal : PayPal Holdings , Inc. 
XXXX XXXX, California, USA In fact I used Paypal as a seller in E-commerce, my account was suspended for 180 days on XX/XX/XXXX, XX/XX/XXXX Paypal is transferred my entire remaining balance with the memo " damages caused by Acceptable Use Policy violation '' of an amount of XXXX. 51 USD I would like to specify that Paypal has allowed to refund some of my disputes instatanement with an additional fee of 14 USD per dispute while all my orders were shipped, and delivered within the delivery time indicated on my website, also that I did not sell or offer any item / content prohibited or/ and under copyright / trademark. 


I have all the purchase of goods as well as the can of delivery of the completeness of the orders to the customer, I tried to contact Paypal US to have information and after several exchange by mails with them by asking them the reason of the withdrawal of my balance would be that I violated their policy ( AUP ). 


I am a small business that is just starting out and for me the amount " stolen '' by Paypal represents the entirety of my business and without it, I would be in personal and professional bankruptcy. 


I would like to file a complaint against the main entity of PayPal : PayPal Holdings , Inc. 
XXXX XXXX, California, USA I enclose screenshots of my paypal account and the exchange with them, my company documents and I leave you my email and my phone number to be contacted if any additional information or document is needed, I await your return. 


I wish you an excellent day, and thank you for taking the time to read me.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name 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 XXXX XXXX XXXX XXXX XXXX INQUIRIES NAME DATE I HAVE NOT AUTHORIZED THESE AND HAVE NO KNOWLEDGE OF THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Pretty much I applied for a credit card I was approved but then XXXX still did a hard pull twice once on XX/XX/22 and one on XX/XX/22 all Im saying is how I got a card but I also got a letter sayin I didnt get it? But I did get it? N now I have two hard inquiries on my report also they have address that I dont live at on there and all different variations of my name which I do not like at all!!
Consumer complaint received 2022-04-05
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. (MS)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2021-10-22
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: STERLING JEWELERS, INC. (NY)

I am a victim of identity theft due to the XXXX data breach KAY JEWELERS - {$1000.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX - {$830.00} - XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I was making a sale to a customer from XXXX XXXX, and he said he was going to pay me on Zelle. I received a fraudulent email saying that my account needed to be credited {$300.00} because it didn't have enough money to make the transaction. I did not know that it was fraudulent, so I made the {$300.00} payment. I never received the payment for the product and now I am out {$300.00}.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name 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 XXXXXX/XX/year>
Consumer complaint received 2021-09-08
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. (NY)

To whom it may concern, XXXX says i have a late fee on my account i have called up the company and they said there is and will be no late fee 's on my account. That would be removed from all credit agencies but never was.
Consumer complaint received 2021-09-08
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. (TX)

I have submitted a dispute to Experian, XXXX and XXXX regarding a XXXX Account reporting on my credit report. It continually drops off and reappears displaying a balance of XXXX and balance dates, status dates continually changing from time to time. Its displayed as account status closed with a payment status as charged off. This is accurate information and this should be removed. I would like a letter of confirmation when completed as well. 
There is also a XXXX XXXX XXXX account that is not mine that is being displayed and I have submitted to be removed and again no resolution where it continually appears and reappears with revolving dates.
Consumer complaint received 2021-12-28
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: Mr. Cooper Group Inc. (DE)

I submitted a request on XX/XX/XXXX with the three credit bureaus. On XX/XX/XXXX I sent them another letter stating. I have no heard a response. I sent a complaint to the CFPB and this morning. I received a response about other dates in XXXX when I had disputed this complaint. The information was not accurate. There was nothing about my complaints I sent on XX/XX/XXXX. Therefore, this information must be removed from my credit report. It has been well over the 30 days from my complaint on XX/XX/XXXX. Please remove from my report. I received information from the credit bureau they received my recent complaint but no results.
Consumer complaint received 2021-09-08
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. (GA)

On XX/XX/2021 I requested to have Equifax remove an account from my credit report. The company that is show up is XXXX XXXX The balance that is being reported is too high. I have them verify this information according to Section 609 of the FCRA requires you to send me copies of the agreement with my signature. That is the only satisfactory proof and I am yet to receive it.

The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.
Consumer complaint received 2021-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CO)

Hello, I recently purchased a home with Home Point Financial ( Loan # XXXX ) but lost my job due to COVID right after closing. I explained this to Home Point via phone call and they promised me a forbearance program, which wouldn't negatively affect my credit. However after the second month of forebearance, my credit was hit with a 60 day late! Fortunately I was able to borrow money from a relative to make up those payments and exit forbearance as I began a new job, however Home Point has refused to remove the late payment reporting, although they agreed to a forbearance program for me! Their representative even told me over the phone that it was currently illegal for them to report late payments. Is that true? Thank you very much.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Caliber Home Loans, Inc. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-08-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I filled a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-08-16
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: BARCLAYS BANK DELAWARE (GA)

I filled a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-08-22
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: CCS Financial Services, Inc. (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also sates a consumer reporting agency can not furnish an account with without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX  XX/XX/XXXX I reported a claim to bank of america in regards to mulitple fraudalent charges on my debit card dating back to XXXX of XXXX. Approximately XXXX months ago I called bank of America and the indvidual that I spoke to noticed multiple fradulent charges that resulted in BOA crediting me the {$600.00} back. The boa employee did not look back far enough on the statements and missed an additional {$1600.00} in fraudulent charges. I called Boa on XX/XX/XXXX and another employee I spoke with advised he could not add these charges on to the first claim due to it being closed out but would start a new claim for the {$1600.00}. BOA then emailed me on XX/XX/XXXX XXXX advising me the claim " was not paid ''. I called a representative to askyt why and they advised that during that time span I logged into my online banking XXXX plus times and didnt notice the charges so they figured either I or someone I know was responsible. I advised them that there was already a claim settled and this was add ons during that time but the rep stated I had to write a letter to boa and " explain myself. This is absolutley ridiculous. I am not an expert at catching these things nor do I always look at the amount in my account. This is money I can use to pay bills, buy groceries and pay my mortgage during these tough times.
Consumer complaint received 2021-09-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

XXXX XXXX was my original mortgage company who financed my purchase loan but within a month or so I was sold to U S Bank XXXX XXXX. Under U S Bank my due date to pay my mortgage changed putting me in a strained position over the last 11 years and 2 months. 

My due date now is anytime between the XXXX of the month to the XXXX to make my loan payments. XXXX XXXX was due towards the end of the month which gave me time to receive my social security benefits so I can make my payments on time without late fees being applied. 

With U S Bank I asked them to change my due date to appear in the range of when I receive my benefits they have declined me several times. It is as if they want me to lose my home. 

Each month I have to hold 2 months payments out of my social security benefits to avoid paying late fees or being in default. It has been very frustrating to hold 2 mortgage payments out difficult I may add causing a monthly financial burden. 

Although, U S Bank XXXX XXXX  gives us until the XXXX of every month to make our payments, they have another stresser in addition to our payments. They print our monthly statements on the XXXX. I was told by U S Bank representative XXXX just on Tuesday that the reason my statement doesn't show my payment was made on the XXXX the grace period date due to their cut off date of the XXXX. The statement shows me being a month behind in my payment and on their website as well. But in my bank account they were paid on the XXXX. 

This made a problem for me when I applied to refinance my home with a different company when they asked for my most recent statement and it makes me appear to have not paid my previous monthly mortgage payment. 

U S Bank representative said oh on your XX/XX/XXXX statement will not show a mortgage payment past due. So I had to explain to the new mortgage company to check my bank statements to see I did pay my mortgage and contact U S Bank if they like. 
Now I have to wait 8 days to get my new statement when U S Bank to prove I am not delinquent on my payments. I feel they don't want customers to go any other company by publishing falsified information on the borrowers payment history.