davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MO)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I've had issues with this card for awhile. I just need them to work with me I can't afford it. I'm now out of work due to virus
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2020-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (WA)

Paypal transaction id XXXX sent on XX/XX/2020. 

Above transaction should be friend-to-friend but was sent in mistake as " merchant '', we corrected immediately by refunding to the original sender. PayPal still charged " paypal fees '' and refused to refund.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2020-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I did a Loan Modification about a year ago, and after several months I fall ONE MONTH behind, but I was able to keep making my monthly mortgage payments every month, ( with one, or two months ain arrears ), and they keep accept all my payments. 

when the COVID19 strikes, I applied for a Loan Forbearance at my Servicer 's website, and the wrote me a letter stating that they accepted the Loan Forbearance by 3 months, but at the 4th month I need to pay more that {$15000.00} I am writing them back telling them in writing, that I do not accept this Forbearance, and that we can make other types of arrangements. I will call them soon, but just in case I am filing this complaint. 

My monthly payment is {$1600.00} a month. I was paying this amount every month. I GOT ALL THE PROOFS I wont pay XXXX I cant
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I learned that XXXX XXXX/XXXX XXXX XXXX had reported a {$200.00} Charge Off on my Experian, XXXX, XXXX  and XXXX report in XXXX. 
I disputed this item as not mine with the all four of the bureaus in XXXX and according to the bureaus XXXX XXXX  verified with them in XXXX. 
I then wrote XXXX XXXX  requesting information regarding this debt. XXXX XXXX did not respond to my XXXX to them. 
I received a notice from a collection agency in XXXX and so I wrote them a letter requesting validation of the debt. The collection agency then sent me a letter stating that this account would be sent back to XXXX XXXX. 
I have spent hours trying to get any type of clue what this account is for with the credit bureaus yet all they can tell me is that it is verified, and I have yet to receive anything about this. Yet it is still being reported to my credit bureaus. I asked all bureaus to give me the method of verification and they gave me the number to XXXX XXXX  and they are no help over the phone or in writing. 
This is not my debt this is not my account and it appears on my credit file in error. Experian, XXXX, XXXX  and XXXX somehow verifies this, yet I am unable to even find out what the debt is for. I am at my wits end with Experian unlawfully reporting invalidated and unverifiable information on my credit file.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (CA)

On XX/XX/year>, I received an email from PayPal claiming that I paid {$240.00} to XXXX and an email from XXXX saying that I bought a ticket to a football game across the country. I am not the one that purchased these tickets. I was at work, and I don't like football. Nobody else uses or knows the information to my account. My accounts were hacked, as this is the 2nd time in a few months that my PayPal account was hacked. 

I also received a Fraud Alert text from Paypal, and I responded that I was not the one making that purchase. They responded and said they declined the transaction. I immediately changed the passwords on my PayPal and XXXX accounts. I also disputed the transaction with PayPal immediately. They took multiple days to reply, but they declined to refund me for the purchase and it is still on my PayPal credit card. 

I also have gone to XXXX with this directly 6 days ago and have yet to get a response. 

I absolutely demand that I get refunded for this purchase that I didn't make,
Consumer complaint received 2020-04-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX bank reported XXXX XXXX  late payment to Transunion. The account has been closed since XXXX and was paid in full. Reported a {$14.00} balance and XXXX XXXX  late on XX/XX/XXXX. I live in XXXX and am in quarantine. Never received any notice or bill. 
Tried to contact XXXX bank for XXXX XXXX  can not get through. Tried to dispute on Transunion and I keep getting their system in not working and can not submit dispute. Also tried to dispute on XXXX XXXX but they told me to do it directly on Transunion. I have been unable to dispute the charge. 

This lowered by credit by XXXX points during a pandemic for {$14.00} on a card that has been closed for XXXX XXXX, No notification was sent and I can not contact anyonet not XXXX and not Transunion and Not XXXX XXXX
Consumer complaint received 2024-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C. 1681 Section 602 A. States I have the 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 Instructions.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with the credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. 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 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control.
Consumer complaint received 2020-04-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MN)

I had a loan for a child 's toy truck I paid through XXXX I paid in full before it was due I have verification that I paid in full after I contacted Experian to dispute why they think I still owe XXXX {$56.00} after expiry and already had taken it off showing that I completed payments no other credit reporting agency is saying that I owe XXXX money except for Experian I am a vulnerable adult who has disputed this twice and reached out on the phone contacted Experian for them not to listen to anything I've had to say then retaliated against me when I said I was going to contact the XXXX XXXX XXXX and make a complaint against them committing fraud on my account and affecting me emotionally and physically and financially and subsequently affecting my credit I'm submitted and tried to submit documents based on my behalf and they refused to take them XX/XX/2020 is the first time and they lied committing fraud the i submitted another dispute XX/XX/2020 AFTER i yried calling ove 5 diffrent numbers to get to and actual customer service representative and had to escalate to a manger/ supervisor and she lied through her teeth then closed the dispute today so i couldent submit evidence agian for the 3rd time if i can sign up for Experian then i should be able to have them delete my account which they also refused there dystroying my credit every day by saykng i owe XXXX when i do not!!! Experian retaliates when you as a consumer know your right and what your entitled to they do not get to determine how many times you dispute and the do not get to have access to your account and ssi number if you revoke permissions they are committing fraud!!!
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I made internet purchase with internet broker and canceled it within 24 hr. 
The purchase transfer was officially canceled and confirmed in writing by the tickets supplier, while my credit card paid the broker for item that was never send. 
I complained about the transaction with Capital One, yet after some investigation they refused to assist me with the claim base on broker " all sales final '' sale policy. 
Such policy violates Federal Trade Commission laws and even Capital One manager acknowledged knowledge of such law, she refused to enforce it, helping the broker to take money for items never delivered.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (IL)

I want to file a complaint with Credence Resource management for deliberately trying to reage a debt which is against the law! This is a collection agency that now owns an account for my old account XXXX XXXX XXXX.It was first reported late in XXXX by XXXX XXXX XXXX . It was eventually turned over to a collection agency in XXXX. In XXXX XXXX, i had filed for XXXX XXXX Bankruptcy which i had dismissed in XXXX. No-one other than my attorney received any payments from me from the bankruptcy. This is no reason to re age a debt to another 7 years! The original date of first delinquency must always carry over from the original creditor no matter who owns the debt. They put it on my credit report as a new charge off account which is not legal! This cost me 20 points on my credit report! This is against my rights under the fair credit reporting act! Also, they never sent me anything in writing on this debt which is required before adding it to my credit report which is also a violation of my rights! I have 30 days to review it and a right to dispute this information before it goes on my report. They violated my rights! This account must be deleted due to discrepancies and by not filing the law! I have enclosed all of the original bills from XXXX XXXX XXXX as proof of the original date of delinquency! Also, this bill has been in dispute for some time. I had went round and round with XXXX XXXX XXXX about the charges and unless they offer me a settlement, i am not willing to pay it. The bill is showing allot more than what i owe!!! 

Credence Resource management Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2020-04-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I need assistance with my Mortgage Lender due to COVID-19. The loan servicing company Select Portfolio Servicing has told me that my Lender is only offering forbearance for 3 months with the 3 month lump sum due in full at the end of 90 days. It appears that the primary note holder is XXXX  XXXX XXXX. My original loan was with XXXX  XXXX which transferred to XXXX when XXXX failed in XX/XX/XXXX. The current note holder reads as follows : XXXX XXXX XXXXXXXX, successor trustee to XXXX XXXXXXXX XXXX, XXXX  successor in interest to XXXX XXXX XXXX XXXX, as trustee on behalf of the XXXX XXXX XXXX XXXX, XXXX XXXX is the owner of the account. 
Since XXXX XXXXXXXX XXXX was purchased by XXXX XXXXXXXX XXXX in XXXX, XXXX XXXXXXXX XXXX appears to be in 1st position. 
It is my understanding that XXXX XXXXXXXX XXXX is helping homeowners during this COVID-19 pandemic by offering deferrals and adding the missed payments to the end of the loan. 
Why are they not offering the same to me? 
Not sure how many banks got bail outs on my loan after the XXXX crash, but it seems like a few did. It is time the banks do the right thing. I need help now, thank you.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MI)

I disputed charges with Chime and explained to them my phone and cards were stolen and I never authorized any monies to be used. I deposited {$1400.00} in total by a company and the same company took it back out in batches. I wrote the merchant and they didnt see anything so I wrote chime and disputed the charges and therefore they denied me my money back within 30 hours of investigating it. The file number is XXXX and when I asked them for copies of the documents they said they dont have them. So how did you deny my stuff when you cant even give me my paperwork that Im entitled to see and dispute.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Request to Update Credit Report Charge-Off, Payment Verification, and Inquiry Removal I am writing to formally dispute inaccurate information in my credit report regarding the charge-off on my XXXX XXXX  and the payment history for my mortgage. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, I am entitled to request and receive documentation that substantiates the accuracy of information reported on my credit file. 

XXXX XXXX Charge-Off : Account Number : XXXX Charged-Off Amount : Paid in Full via Bill of Exchange. 
I am disputing this charge-off and request that you provide me with the original documentation that verifies the validity of this account, including payment history. I have attached evidence of payments made towards this account that may not be reflected in your records. 

Mortgage Account : Account Number : XXXX Current Payment Status : Sent Payoff Furthermore, I request that my payment history for this mortgage account be accurately reflected on my credit report. Consistent and timely payments have been made, and it is essential that this information is correctly displayed. 

Removal of Inquiries : I also request the removal of any inquiries related to non-holding accounts from my credit report. These inquiries are impacting my credit score negatively and should not be included. 

In accordance with my rights under the FCRA, I expect a thorough investigation into these matters, as well as an update to my credit report reflecting accurate information and the removal of the specified inquiries. Please provide confirmation of the receipt of this letter and keep me informed about the progress of my dispute. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Attorney in fact for Estate of XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2020-04-17
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. (TX)

ftc violations XXXX  Robocalls cost XXXX  $ XXXX arbitration award he Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.XXXX  XXXX, XXXX Every state has a consumer protection law that prohibits deceptive practices, and many prohibit unfair or unconscionable practices as well. These statutes, commonly known as Unfair and Deceptive Acts and Practices or UDAP statutes, provide bedrock protections for consumers.XXXX  XXXX, XXXX Unfair & Deceptive Acts & Practices - National Consumer Law ... 

Search Results Web results FTC Obtains Record {$190.00} XXXX Settlement from University ... www.ftc.gov news-events press-releases XXXX XX/XX/XXXX - The University XXXX XXXX XXXX XXXX XXXX and its parent company, XXXX XXXX XXXX, will settle for a record {$190.00} XXXX to resolve Federal Trade Commission charges that they used deceptive advertisements that falsely touted their relationships and job opportunities with companies such as XXXX XXXX XXXX, XXXX!, XXXX, XXXX, ...