davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-20
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

I used to live in XXXX. I leased Lexus car my payments used to {$490.00}, never missed a single payment. I then moved to XXXX, sale tax has increased by XXXX dollars. I did not receive any note or letter or notification asking me asking to pay XXXX   dollars more a month. I continue to make payments for {$490.00} via automatic debit, Lexus continued to debit $ XXXX month.I XX/XX/2017 I was shocked that I was reported for late payment even though I always paid the XXXX via automatic debit, Lexus stated that I had to pay {$500.00} ie XXXX dollars more.It would have been easy for me to pay the XXXX had I known about it. Have never in my life missed a payment. I believe that this is unfair practice since any logical person can realize if I am paying {$490.00} i could have easy been able to pay the who {$500.00} had I known that this my about due .I never intended to delay in payment just dd not know. When I new form my credit report I immediately pain the deference, I beige is unfair to label my credit report with late payment where I clearly paid the money ( {$490.00} ) every month via automatic debit, for very brief time the amount was XXXX dollars short just because I did now. I contact Toyota /Lexus they wot even talk to me and refused to work with me on that. I disputed this but was unable to change this.
Consumer complaint received 2019-05-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Circle Internet Financial (MI)

I used Poloniex to trade/exchange virtual currency. Upon requesting a withdrawal, the company is refusing to release the funds. 

They are stating " fraud prevention '' and creating significant barriers to completing the withdrawal including : - picture of myself holding : -- picture of my ID -- handwritten note stating the exact withdrawal amounts & exact cryptocurrency address for the withdrawal destination While on the face this seems as protection against fradulent transactions, in practice these are nearly impossible to accomplish due to the following reasons : 1.  Cryptocurrency hashes are long and impossible to remember. Often the requester address changes and by design for some currencies so they are 1-time use. 
2. Crypto amounts are not easy to remember as they contain many decimal points making them virtually impossible to remember 3. When logging in to their site at poloniex.com all information is blocked so it is impossible to view any transaction history including the addresses and amounts listed above, making the requested information pretty much impossible to find. 
4. I hate pictures of myself. I should not be required to provide this and find it to be an egregious request compared to standard ID verification, which I have already completed when becoming an account holder. 

I communicated my concerns to the company, but they have refused to offer any other method and are refusing to release my funds.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am filing a formal complaint regarding an inaccurate item listed on my credit report for a credit card account with XXXX XXXX. The details are as follows : Account Name : XXXX XXXX  Balance : {$590.00} ( reported as over the credit limit of {$300.00} ) Account Opened : XXXX XXXX XXXX  Reported Past Due : {$240.00}, with 120+ days late Date Reported : XX/XX/XXXXXXXX XXXX XXXX   This account is currently marked as 120+ days late, and there is also an over-limit balance being reported, which has negatively impacted my credit score. I have previously disputed this account, and it is noted on my report that the account information is disputed by the consumer. However, the creditor has failed to provide sufficient verification of this debt and continues to report incorrect information. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I have the right to dispute inaccurate or unverifiable information. The information reported by XXXX XXXX is inaccurate, and despite my formal dispute, it has not been properly verified.
Consumer complaint received 2024-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX BALANCED {$150000.00} XXXX XXXX XXXX BALANCED {$17000.00}
Consumer complaint received 2019-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

Dear CFPB, We are dealing with a scammer who clearly understands how to easily manipulate PayPal 's ridged and indirect dispute system, along with the carelessness of the PayPal phone support agent who originally opened our dispute with PayPal 's phone claim department. It is shocking how easy it was to abuse PayPal 's process and steal almost {$2000.00} from people trusting PayPal to process payments. 

The PayPal claims case is : Case ID : XXXX The total stolen from us is : {$1800.00} And the Seller : XXXX XXXX XXXX The merchandise XXXX XXXX XXXX shipped us were fake. The box was clearly preopened and resealed after being filled with completely different cards not of the same vintage set. 

The scammer then agreed to take back the fake merchandise and accepted the return request ( Please see attachments titled Image_1 and Image_2 ). 

We proceeded to print the return label and ship back the item ( Please see attachments titled Image_3, Image_4, and XXXX ). 

The scammer then proceeded to REFUSED the incoming shipment ( See attachments titled Screenshot_XX/XX/2019 USPS com - USPS Tracking Results ) knowing that was ALL that is needed to manipulate PayPal 's claim system! 

PayPal will Deny ALL claims as long as the victim does not have a signature from the scammer. 

I just got off the phone with a PayPal Supervisor at XXXX ( Eastern Time ) who outright admitted she was aware of how easy it was to abuse PayPal 's claims process by simply refusing returns. Looking online this scam is well known! 

Even though USPS clearly serves as evidence the scammer received then returned the fake merchandise PayPal 's inflexible system is dangerously easy to abuse in order to steal from consumers, and PayPal 's management admitted they are aware of this and knowingly allow it!
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

27th complaint. PLEASE INVESTIGATE. I have made numerous attempts to correct the inaccurate reporting by Wells Fargo via CFPB, DIRECT DISPUTE, AND DISPUTING WITH THE CREDIT REPORTING AGENCIES. I was a authorized user for Wells Fargo account. Some way Wells Fargo has listed me as the co-obligor. The obligor filed Chapter XXXX bankruptcy XX/XX/2019 when the account was not past due. Wells Fargo decided to charge-off XX/XX/2019. Wells Fargo had a XXXX balance and decided that they would charge the account off on XX/XX/19. The XXXX balance is actually interest. Based on the history of the account, the obligor was only paying interest because of a 12 month no interest. After the last dispute, Wells Fargo waived the {$300.00} balance and advised of a {$21.00} refund but still reported inaccurate, negative reporting to my Credit Report. Paid Charge-off is still negative. This account/scenario should have never been charged off. PLEASE DELETE THIS TRADELINE OF MY CREDIT. THE INACCURATE CREDIT HAS DAMAGED MY REPUTATION AND CREDIT RATING. 
XX/XX/2019 Reported as charge-off XXXX XX/XX/2019 Reported as 120 days past due XX/XX/2019- Reported as 120 Days past due XX/XX/2019 Reported as Paid Charge OFF Wells Fargo waived fees of {$300.00} and then advised that a refund of {$21.00} is been sent. This is inaccurate reporting. 
Please Note : Based on the Credit Reporting Resource Guide, an account can not go from Charge-off to Past Due This is inaccurate reporting. 1st of all this should have never been reported on an authorized user credit. 2nd the reporting is inaccurate and not compliant with the FCRA and the most updated version of the Credit Reporting Resource Guide. 3rd a paid charge off is if a obligor pays an amount that was charged off. WELLS FARGO SHOULD HAVE WAIVED THE FEES WHEN THE OBLIGOR FILED BANKRUPTCY AND CLOSED THE ACCOUNT. Due to the inaccurate reporting, Wells Fargo has caused SERIOUS damage to my credit. I have been declined a job opportunity and creditors have lowered my credit limit due to the Serious Delinquency that Wells Fargo has reported. I have made several attempts but continue to receive inaccurate reporting. This is a violation of FCRA and UDAAP. I am requesting that the CFPB investigate my complaint and also review other complaints that are alike. I am holding Wells Fargo, Credit Reporting Agencies, and the CFPB responsible for the inaccurate reporting. I have fulfilled my duties as a consumer in notifying all parties of the inaccurate reporting. PLEASE ESCALATE MY DISPUTE TO YOUR LEGAL DEPARTMENT. PLEASE READ ALL OTHER DISPUTES AND RESPONSES AS PART OF YOUR INVESTIGATION
Consumer complaint received 2019-05-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I recently reviewed a copy of my credit report, and after carefully going over everything on my report i noticed their were a bunch of unauthorized inquires on my report. I Sent XXXX two letters disputing the information that they are reporting. I sent my first communication to them on XX/XX/XXXX I received a response from them advising me that they validated the information and to contact the creditor directly. I sent another communication on XX/XX/XXXX and received the same response. so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.. In addition, as part of your investigation, please send names, business address and phone numbers of those who made unauthorized credit inquires so I may contact them directly. I am asking for this because my credit is being unjustly degraded because of these unauthorized inquiries. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.
Consumer complaint received 2019-05-16
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. (GA)

I recently applied for a furnisher account with XXXX XXXX, long story short I was denied. I don't understand why I would be denied because I'm typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX. XXXX, DPTEDXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and account # XXXX
Consumer complaint received 2019-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Hello, I Opened up an account with PayPal through XXXX to sell items on XXXX. My items got sold and there were no complaints the buyers were satisfied after it got delivered. However, when I went to transfer my funds that was in my balance PayPal put a hold on it, and froze my account. I was on the phone with them several times, trying to figure out why cant I transfer my money to my bank. The items got delivered XX/XX/2019. I spoke to several reps one rep asked why do I need to transfer the money ( I was shocked by that question ) its my earned money from my business and I should be entitled to get my money and put back in my business. Why should they hold it if there are no complaints and no refunds. The rep also wanted more information from me I guess to see Im the person in charge of the account. I gave them all the information they asked for and even more. I gave them my social, my ID, I even gave them a bank statement, and my lease to where I live. Nothing was taken care of, I spoke to other reps, one rep even said yes you gave us everything, she even took my account off of hold, and made it seem like everything was fine now. I got off the phone, and that same night at XXXX they sent me an email saying my account is suspended and they will hold my funds for 180 days. Now at this point Im furious, PayPal have been doing this to so many people the only reason I have an account with them is because XXXX uses them as a payment method, ( for now ) because I read they are parting ways soon. But besides that, I also read by law depending your state no transmitting company is allowed to hold your funds for more than 10days. It has been since XX/XX/XXXX and they are still holding my funds which is only {$610.00} but to me its alot because its my earned money I need and can use for my business, which takes care of my family. Almost forgot, when they sent me the email ( XX/XX/XXXX ) stating my account is closed and I cant do business with them, and they will hold my funds they mentioned I was a fraud and the information I provided to them is not mines. Next day I contacted and went back and forth with them asking them why they will accuse me of that when that is a serious matter because people can go to jail for that all the information documents I gave them are all mines. I reached out to the mayor of my state they contacted me and gave me this information to contact you guys. Thank you for your time,
Consumer complaint received 2019-05-20
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery if you would please contact XXXX again to remove the account XXXX  from my credit report I have sent them many times your response to CFPB to remove and to this day they refuse to do so. thank you very much
Consumer complaint received 2019-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

For about ten years, we have been getting harassing phone calls and letters from a string of scores of collection agencies purporting to represent " XXXX XXXX '', to collect on a Texas utility bill. One, we have never lived in Texas, and have lived at the same address in Florida for 28 years. The debt collectors never provide us with the address of the company or the identity of the person who did have the debt, if there ever was one. When we respond to their letters, we simply wait a few weeks, and we get another string of letters from a different collection agency. By the way, 28 years is way beyond the seven years statutory period. The latest agency to try this scam is Resurgent Capital Services, XXXX XXXX XXXX, XXXX, MI XXXX.
Consumer complaint received 2019-05-16
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. (MD)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-20
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. (CA)

TransUnion and XXXX both continue to display an inadequate and fraudulent collection account on my credit report. XXXX XXXX does not handle there own collections and as a result of a favorable dispute filed against XXXX XXXX XXXX for an account that was completely covered my my XXXX   XXXX XXXX XXXX XXXX plan active during the alleged incident the account can only be labeled as a billing error on XXXX XXXX end or ID theft of some sort. 

XXXX XXXX XXXX now displays the collection under the hospitals name but with there adrress. 

That on its own is out right fraud.
Consumer complaint received 2019-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UBS BANK USA (OR)

On XX/XX/2019 I received a notice of assignment from XXXX XXXX naming UBS Bank as the new servicing bank. ( attached ) On XX/XX/2019 I had my bank send a payment using the information in the notice of assignment to UBS Bank and the money was debited from my account. ( attached ) On XX/XX/2019 UBS Loan history starts. That is why my payment may not have been credited. 

On XX/XX/2019 I sent a message to UBS Bank asking them to credit the payment. ( attached ) On XX/XX/2019 I called UBS Bank and confirmed the mailing address and account number. 

On XX/XX/2019I received a statement not reflecting the payment. ( attached ) On XX/XX/2019I had the following chat with UBS Bank. ( attached ) UBS has failed to provide timely answers when I did everything as they requested.
Consumer complaint received 2019-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

My mortgage was purchased by Mr. Cooper last month. Literature sent and information online indicated that payments must be mailed to the original mortgage company or Mr Cooper. I had previously set up direct withdrawal for my mortgage ( set on the XXXX of the month, which is also the due date ). 

Up until XX/XX/2019, I did not have any account information to send a payment by mail to Mr. Cooper. On XX/XX/XXXX the Mr Cooper account page became available and I was given the option of making my payment ( then 6 days past due ). I made my payment on XX/XX/XXXX. 

Today ( XX/XX/XXXX ), I checked my bank account and see that Mr. Cooper took out the payment I authorized on XX/XX/XXXX and also another payment on XX/XX/XXXX ( at slightly less than required payment for some reason ). 

I did not authorize 2 payments from my account. I have not been able to get a response from Mr. Cooper. I have other bills due and need the money returned. This second withdrawal makes no sense, was not authorized and upon looking at the Mr Cooper web page, has not even been applied to my mortgage. 

I am currently in the process of refinancing my home in order to avoid dealing with Mr Cooper. These unauthorized actions by them only serve to negatively impact my ability to refinance and separate from Mr Cooper. 

I can only assume that this additional withdrawal is an active and intentional effort to keep me from closing my contract with Mr Cooper. 

Please help me to have my funds returned to my bank account ( or at least to get some response from Mr Cooper )
Consumer complaint received 2019-05-16
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. (GA)

I recently applied for a furnisher account with XXXX XXXX, long story short I was denied. I don't understand why I would be denied because I'm typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and no name but account # XXXX.
Consumer complaint received 2019-05-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

A XXXX debt collection company by the name of Portfolio Recovery Associates have filed a lawsuit against me and have negatively impacted my credit by attempting to collect debt that isnt even on my credit report and is well past the four year statute of limitations on debt collecting in Pennsylvania, most likely the debt is more that 10 years old.
Consumer complaint received 2019-08-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

On XX/XX/2019, a collections account, in the amount of {$4800.00}, was opened under my social security number. To date, I have received NO contact from this creditor or collections agency, notifying me of debt obligation. After becoming aware of this account on my credit report, I attempted to reach out to the original creditor and collections agency with no success. I was informed that I would need to be in contact with the company 's fraud department which was not open at the time of my call.