davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-25
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: Paypal Holdings, Inc (CA)

On XXXX XXXX I purchased from XXXX XXXX XXXX through PayPal XXXX assuming that PayPal is a safe place, an XXXX hand made dress called XXXX XXXX and paid {$490.00} plus shipping {$30.00}, total {$520.00} with my PayPal credit. After a week I received an empty envelope 6x9 inches with XXXX tracking number. The seller provided that tracking number to PayPal. So PayPal assumed that the transaction is done successfully. But understandable that the dress couldn't fit in that 6x9 envelope. I opened a dispute with PayPal case I'd XXXX, and provided the picture of the envelope with the same tracking number and the picture of the dress, which I ordered.So it is clear that it is a scam, Now PayPal is asking from me additional info otherwise will decide the case for seller 's favor, or to complain to companies like You or XXXX. So dear CFPB I NEED YOUR HELP. 
Thanks XXXX XXXX
Consumer complaint received 2022-12-20
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. (CA)

In accordance with the Fair credit report act XXXX XXXX XXXX XXXX XXXX account number # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions.
Consumer complaint received 2022-11-25
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: Experian Information Solutions Inc. (GA)

Inquries not mine asked Experian to remove they refused and contacted institutions advised they will send request and have all removed. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

On XX/XX/2022 I was charged {$1000.00} for a purchase I did not make. On that date I was traveling home from XXXX. I did not have time to go on any excursion which is supposedly what the charge was for. I contacted the company and they dont even accept credit cards and the address on the receipt is not even theirs. I have showed proof of travel and explained all of this repeatedly, including texts from the company and it seems they can not understand that there is no way I made this charge. The fact that I did not lose my card does not mean that I did not make this charge. I believe one of the vendors I did use it with made the charge. I have no problem paying my charges but when I didnt make the charge it is very frustrating. The digital signature is not even close to mine and doesnt even have my last name on it.
Consumer complaint received 2022-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: M&T BANK CORPORATION (MD)

Hello -- My M & T Bank credit card ending in XXXX was flagged for suspicious activity on or about XX/XX/XXXX after making my second online purchase. I called the customer service number the bank provided a couple of days after the alert and reached a very nice representative that referred me to the fraud department. Upon calling the fraud department I waited on hold for over 40 minutes and was unsuccessful in getting in touch with anyone to resolve the issue. So I then decided to send a secure email to M & T Bank on or about XX/XX/XXXX stating that the purchase flagged was made by me and I was in possession of my card. I asked M & T Bank to remove the hold on my card. M & T Bank replied to my secured email asking me to contact the same fraud department phone number. I called the same fraud department number on XX/XX/XXXX as of the writing of this message and have been on hold for over 53 minutes and once again was unable to contact anyone to resolve the issue. 

Any assistance you can provide would be greatly appreciated.
Consumer complaint received 2022-11-25
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: CITIBANK, N.A. (CA)

Hello, I hope you're doing well. I need to add to my compliant with Citibank XXXX that the erroneously closed my account. I was never 30 days late. My account shouldn't have been closed. My billing date for payment is the XXXX of each month. I have requested the service agreement on many occasion to support Citibank CBNA right to close an account for a payment that was paid before XX/XX/2022. I paid on time.
Consumer complaint received 2022-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Blitt and Gaines, P.C. (IL)

Hi, i received a notice from my employer that a wage garnishment was sent to them that I owed for {$580.00}. The debt was {$260.00} and with fees increased to {$580.00}. This was from a debt in XXXX that was settled/repayment agreement. This was paid years ago. Per court records, the plaintiff reopened & was issued a judgement in XXXX. I was not notified/contacted by anyone in regards to the debt. Ive received no documentation to the validity of this additional amount owed and that the case had been reopened. This is unjust and unfair to do to a consumer. I moved in XX/XX/XXXX and find this to be deceptive business practices. If the plaintiff had attempted to contact me & validate that I owed {$260.00}, I would have paid.
Consumer complaint received 2022-12-17
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: OPORTUN FINANCIAL CORPORATION (IL)

On XX/XX/XXXX I sent a letter to Oportun Financial Corporation letting them know that I reserve my rights to opt out per 15 u.s.c 6802 and yet they are still reporting to all 3 major credit bureaus effecting my credit score adversely and continuing to violate my rights by reporting inaccurate information and, harassing me by phone which is a violation of 15 u.s.c 1692 ( d ). They are also impeding my right to fair credit by violating 15 u.s.c 1681 ( a ), 15 u.s.c 1681 ( 2 ) ( A ) ( 1 ), 15 u.s.c 1681 ( b ), which are apart of The Fair Credit Reporting Act, which states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party which then is in violation of The Privacy Act of 1974, 16 CFR 313.1-313.3 and 39 u.s.c 3001 ( d ) ( 1 ) ( 2 ) ( a ) ( b ). I would like this matter resolved in a timely manner and in way that is fair to me the consumer.
Consumer complaint received 2022-12-20
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. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, 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. (FL)

Greetings, Mine must be an unusual complaint of clerical human error, yet evidently, I need your assistance and authority to command a solution. 
I habitually check XXXX XXXX 's XXXX score when paying my bill on their mobile app. In XXXX, I saw a XXXX pt drop in score. The issue was an inexplicable change in " Reported Credit History '' - from 17 years in XXXX, to the XXXX report, stating a mere 3 year history. ( screenshots attached ) XXXX states the info came from XXXX XXXX, but my credit report from XXXX shows my XXXX XXXX  account was opened in XXXX. ( Screenshot attached ). XXXX was made aware in XXXX & in XXXX, during many calls. On XX/XX/XXXX, XXXX XXXX ( supervisor ) was still awaiting word from superiors. 
To check, I recently signed in to the Experian app, which also showed a shortened credit history, even though the credit report Experian mailed to me also showed the Regions acct. opened in XXXX. Experian gave an Escalation # XXXX on XX/XX/XXXX. 
XXXXXXXX XXXX XXXX reflect credit score calculated @ XXXX. My XXXX XXXX & their XXXX app, both reflecting a 22 yr history, show a score of XXXX Excellent. Quite a discrepancy! 
Neither XXXX, XXXX, or Experian claims responsibility, nor the ability to correct their records on this odd occurrence. 
I have attached photographic screenshot evidence to prove my standing in these unresolved formal disputes. 
... 
I cant help but suppose the actions of Experian or other reporting agencies may use this ruse to promote their marketing attempt to push their ( paid ) subscriptions to their " XXXX XXXX '' programs. 
Meanwhile, time is of the essence, as I need to arrange financing for the XXXX Mortgage of my deceased father. 
Also, I recently applied for XXXX XXXX  's XXXX XXXX XXXX, and was approved at an a very high interest rate. XXXX reportedly use Experian for credit checks. 
Resolution : I plea to have the accurate Length of Credit History corrected on my file @ XXXX XXXX ( et al. ), XXXX XXXX, My XXXX, XXXX XXXX XXXX XXXX Rewards Card, and especially the Experian XXXX, including their mobile app.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have multiple inquiries that do not belong to Me and I've been a Victim of Identity Theft since XXXX. I want these inquiries removed immediately! 


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
Consumer complaint received 2022-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

In an ongoing effort to get PHH Mortgage to remove the PMI from our mortgage ( Loan # XXXX ), in XX/XX/2022 we filed a complaint via the CFPB website against PHH Mortgage ( Original Complaint # XXXX ). PHH Mortgage replied on XX/XX/2022, continuing to deny our request. Their response is attached to this new case. 

I have also attached a copy of a revised version of our original complaint document, with RED text inserted so that PHH Mortgage will see point by point where they need to review and address matters previously ignored, and/or where we are providing new and additional evidence in support of our position for their review and consideration. 

This new complaint is being submitted because : PHH Mortgage provided no meaningful response ( if any ) to several arguments/concerns we made in our original complaint. 
The Deed of Trust document has an error. PHH Mortgage provided a copy of the current Deed of Trust document with its XX/XX/XXXX response, to show that the total acreage of the property financed under this mortgage is correctly accounted for in the recent appraisal report. Upon inspection, I have found that this Deed of Trust document has a significant error with respect to the amount of acreage associated with the XXXX XXXX XXXX parcel, as explained in the attached revised complaint. Also explained in our revised complaint is the fact that the recent appraisal report does indeed neglect to account for the existence of or value of a second parcel of property financed under this mortgage. I am attaching multiple documents as evidence that the current Deed of Trust document is in fact incorrect. 
A valuable pole barn exists but its value is being ignored. PHH Mortgages response ignores one of our arguments regarding the pole bard on property. In our original complaint, we allege the current appraisal report fails to account for the existence of or the value of a sizeable pole barn on our property, which has significant value. I am attaching multiple documents as evidence that the current Deed of Trust document is in fact incorrect. 
PHH Mortgage also submitted an important document with hits XX/XX/XXXX response that is fraudulent. We paid for an appraisal as part of this process. PHH Mortgage contracted with a licensed appraiser to evaluate and determine the current market value of our property. In addition to the multiple points of negligence regarding his appraisal report, this appraiser also fraudulently certified in writing that he conducted the appraisal himself, including coming to the property, taking pictures, etc. This did not occur. 
Other arguments/concerns as noted in attached.
Consumer complaint received 2022-11-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lendmark Financial Services (AZ)

I took a loan from Lendmark in XXXX of XXXX. The dealer who sold me the car finances through Lendmark accidentally mailed me, the consumer, the title. I turned the title back in to Lendmark. The title was then processed through the normal channels through the state of Alabama. However I made an attempt to refinance the vehicle at a lower interest rate through my credit union shortly after taking possession of the vehicle. Upon which I learned that the title forms submitted to the state of Alabama were incorrect, verified by the state of Alabama titling office, and that my credit union could not refinance the loan therefore sticking me with a 22 % interest rate. I have since then, XXXX of XXXX, until today XX/XX/XXXX, been fighting with lendmark to simply get the title in their possession corrected. There was an attempt made by me in XXXX to get the title corrected myself through the state of Alabama, to which the state of AL told me that I myself could not make the correction as I was not the one at fault. So for well over 2 years I have been paying for a vehicle I can not legally put a tag on and I have followed my end of the loan contract with insurance requirements and address changes as necessary. I am out of options. Since I have not legally been harmed over this yet, I am unable to sue, but I am forced to make payments on the vehicle. I simply want the title issue resolved so that I can avoid the headache of filing suit against Lendmark when my loan is paid off. I currently have the money to satisfy the loan in full, but if I do that then I will be left with a situation that is not resolvable by myself
Consumer complaint received 2022-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (KY)

I XXXX XXXX XXXX XXXX is XX/XX/1984 an I'm filing this complaint bc I'm not getting help or no luck finding my checking account number for jp Morgan chase Bank. I no its jp Morgan XXXX XXXX bank but I need my account number along with my debit card number that's linked to that account. Would the information I'm requesting please be sent to my email address an also by mail SOON AS POSSIBLE? COULD I ALSO HAVE THE CONTACT INFORMATION FOR THAT EXACT BANK be in different areas when it's sent to me?? Address far enough away from my account number. My card number not close to either of those? I no they are different accounts along with different credit cards so if it could al be sent to me together in the same message then make sure they all are very much not to were I don't understand it?
Consumer complaint received 2022-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2024-10-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (TN)

My leased XXXX XXXXXXXX XXXX was damaged while parked at my apartment building on XX/XX/XXXX. The damage estimate is about {$10000.00}. 
The person responsible reported the damage to his insurance company. My lease expired XXXX weeks later, on XX/XX/XXXX. 
It took XXXX weeks for the insurance company to approve the claim and another XXXX weeks to get it into a body shop affiliated with the closest Genesis dealer.

The car has been there for about a month waiting for parts needed to complete the repairs.

Genesis Cars can not source the parts needed and they are on back order with no estimate for when they will be shipped to the body shop. It is possible it could take several weeks, or months to get the parts needed. 
Genesis Finance is threatening me with a collection action unless I extend the lease term and continue making monthly payments of {$580.00} since I am late in returning the car. I have spent weeks giving it my best efforts to resolve this but have no control over this process. 
The third option is that I have the car sent to the Genesis dealer nearby with the repairs incomplete and they will assess me the costs of the remaining repairs. 
Either scenario will either cost me hundreds, or potentially thousands of dollars, or damage my XXXX credit score. I've asked the case manager at Genesis to intervene and explain the situation to Genesis Finance. They refused, saying the XXXX are totally separate entities and they would have no way to help. 
The case number assigned for this by Genesis Cars is XXXX. 
I did not damage my car and have no control over when Genesis Cars might find the parts needed to complete the repairs. Genesis Finance continues to hold me responsible for both. 
My car is at the XXXX XXXX XXXX XXXX in XXXX TN. XXXX is handling the repairs and can be reached at XXXX. 
Please let me know what more I can tell you about my situation.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (GA)

Request for Removal of Charged-Off Account Under FCRA 15 U.S.C 1681 Dear Truist Bank, I am writing to formally request the removal of a charged-off account from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681.

The account in question which has been listed as charged-off on my credit report. After reviewing the account information, I believe there are inaccuracies or incomplete information that warrants its removal from my credit file. As such, I am disputing this account and will also be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure a thorough investigation is conducted.

According to the FCRA, it is your responsibility to report only accurate and complete information to the credit bureaus. I request that you investigate this matter and take appropriate action to remove the charged-off account from my credit report if any inaccuracies or incomplete information are found.

Please provide a confirmation of your investigation and the actions taken to resolve this dispute.

Thank you for your attention to this matter. 

Sincerely, XXXX