davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCF Intermediate Holdings LLC (TX)

On XX/XX/XXXX I recieved a 1099C From TMX Finance LLC regarding an old debt in the amount of XXXX that states the date of identifiable event as XX/XX/XXXX. This is the second time TMX has sent me a 1099c for XXXX the last one was on my XXXX tax return for the exact amout, which I just verified. I am not paying taxes on an old debt that was already on my XXXX return. I can submit my XXXX tax return as proof of TMX fraud.
Consumer complaint received 2023-07-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I fell behind on my home payments to Loancare and contacted them to resolve the issue in late XX/XX/2022. I was concerned because I submitted a check for 2 months payment and it was rejected and returned to me and they advised I needed to submit all late payments in XXXX lump sum, which was XXXX moths at the time. After it was determined that i could not come up with the whole amount i reached out and inquired on assistance to resolve the issue. They advised me to file for forbearance. On XXXX I provided documents and the application they requested. Then in XXXX I inquired weekly on the stauts and was advised to wait the full XXXX to XXXX weeks and they would reach out if any more documents were needed. At the XXXX week mark, I inquired again and they advise to continue to wait, after I advised several times that it was already XXXX weeks waiting the representative advised since no update was done on my file they would refile my application again, but advised not to worry that i would not be foreclosed on. Then mid XXXX, I spoke with a Representative that advised since I was not getting any traction with my application to file for Covid relief since she determined I qualified. I submitted my document and application again before thanksgiving and was assured I was not going to be foreclosed on. XXXX XXXX I started to get letters from a lawyer that I was being foreclosed on. When I contacted Loancare they advised there was no updated on my application but not to worry because the rep then gave me here direct number to contact to ensure my application was getting updates. I finally was advised they processed my covid relief on XX/XX/XXXX which I completed and returned the document the same day I received them. Loancare then advised to ignore the foreclosure letters as they had the documents they needed. Shortly after multiple people began to come to my house and knock XXXX asking for me to sell my property as the public records showed my house to be auction in mid XXXX. After the lawyers rescinded the foreclosure auction. I have been current on my payments since XXXX, even though my mortgage jumped up to XXXX from XXXX due to taxes and escrow. I am now trying to sell my house as I have accepted a better job XXXX hours away but can not get an approval due to missing payment for XXXX  months after loancare continued to " loose '' my application multiple times. 

Please assist in anyway possible, thank you for your time.
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (NJ)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to express my concern and to file a formal complaint against US Bank. The issue at hand pertains to a promotional offer related to a business checking account which I believe has not been honored by the bank. 

In detail, I opened a business checking account with US Bank due to a promotion displayed on their webpage. The promotion stated that I would receive a {$500.00} bonus if I kept a balance of at least {$3000.00} in the account for a duration of 60 days. Relying on this promise, I ensured to fulfill the necessary condition and maintained the stipulated amount for the required period. 

When I initiated the process of opening the account in late XXXX, the agent handling my application stated that the promotion was scheduled to end by XXXX end. However, my account opening process was delayed until XXXX due to the bank requesting additional documents, which I had to send via fax. 

Upon contacting the bank in XXXX to inquire about the promised bonus, I was informed that the promotional code had already expired at the time of my application. I believe this is a clear case of misleading communication as the delay in opening the account was due to the bank 's requirements, and the expiration of the promotional offer was never communicated to me during the account opening process. 

Moreover, the bank continues to advertise similar offers on their website, indicating a long-term promotional practice. This makes the 'expiration ' excuse questionable and gives me a strong impression of fraudulent and deceptive business behavior. 

In light of the aforementioned circumstances, I kindly request that the CFPB investigates this matter. I hope to ensure that the promised {$500.00} bonus, which played a significant role in my decision to open an account with US Bank, is credited to my account as initially advertised. 

As a consumer, it is crucial to me that businesses honor their commitments and promotions, especially when these promotions are instrumental in influencing decisions about where and how to conduct financial activities. 

Thank you for taking the time to review this complaint. I trust that the CFPB will do its utmost to protect the rights and interests of consumers like myself.
Consumer complaint received 2023-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Dear PayPal, I am writing to you today to address a grave issue that has recently come to my attention. My identity information has been stolen, and it is being used to sign up for unauthorized PayPal accounts. I am writing to report this issue, and I hope that you will take immediate action to rectify this situation. 

I would like to start by stating that I only have one PayPal account, which is registered under the email address " XXXX '' and phone number " XXXX ''. I detected unauthorized access to my PayPal account on Fri, XXXX XX/XX/2022, and I immediately reported this to PayPal. I take my security seriously, and I wanted to ensure that my account was safe from any malicious activity. 

I am now asking PayPal to investigate the unauthorized creation of PayPal accounts using my stolen identity information. If it is found that these accounts have been created without my consent, I request that the permanent limitation on my account be lifted. I am currently using a VPN to access my PayPal account as I am not in the US, but I would be more than happy to provide my real location if PayPal requests it. 

I would like to emphasize that this situation has caused me great concern, and I hope that you will take the necessary steps to ensure that my account and personal information are secure. I appreciate your attention to this matter and look forward to hearing back from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (LA)

In accordance with United States Codes and Federally protected consumer rights these violations are noted and probably more, 1026.13 Billing error resolution. Violation? I don't know forsure 18 U.S.C S.s.1029 Violation 18 U.S.C c.47 Violation 18 U.S.C S.s. 1030 Violation 18 U.S.C 1644 Violation 47 U.S.C 325 Violation 15 U.S.C 1635 CHIME Bank ICBC XXXX XXXX # XXXX Reused to return my funds of XXXX $ from an unauthorized transaction that occurred XXXX or XXXX I'm still trying receive my money Back from this deceptive fraudulent corporation my I did everything they asked to get it return each time I was to receive my credit or any similar an issue occurs whereas the time frame has just reach its limitations the same the funds where to Be deposited instead denied deceptively.
Consumer complaint received 2023-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (TX)

I have been billed repeatedly from some company that claims to be Montgomery Ward. This company went out of business in the 80s. I looked this company up and they have awful reviews, they are listed under scams and frauds. The scam alert review ops up. This company has several alias names, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX etc. I keep receiving credit cards statement bills from the one  call Montgomery Ward. This scam starts with a buy now pay later catalog which we all get in XXXX XXXX. I hear people complaining about this fraudulent catalog on XXXX. In XXXX and XXXX my phone was hacked and XXXX notified me. After that was cleared up, I was a victim of identity theft through an online dating site called XXXX. XXXX eventually notified me that the man I was talking with had a fraudulent account with XXXX  and for me not to respond to him. Thank you, XXXX XXXX
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (GA)

On XX/XX/XXXX I submitted a complaint in regards to an fraudulent inquiry that Equifax is reporting on my consumer file. I informed EQUIFAX that I didn't authorize this inquiry and I also informed them that the company stated that they have submitted a electronically request to remove this inquiry from my consumer file. On XX/XX/XXXX in CFPB Case XXXX XXXX  responded stating that As previously stated in our response sent on XX/XX/XXXX, a copy of which you provided, on XX/XX/XXXX we submitted an electronic request to have the inquiry generated by the credit application deleted from your personal credit file. As of today XX/XX/XXXX Equifax is still reporting this inquiry on my file. I have attached the letter from XXXX XXXX for your viewing.Equifax has stated on XXXX the following response. I am a bit confused if XXXX INQUIRIES ARE A FACTUAL RECORD where did they verify this from? 

STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Inquiry : XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. IN REFERENCE TO YOUR QUESTION REGARDING INQUIRIES : INQUIRIES ARE A MATTER OF FACT AND ARE NOT ROUTINELY REMOVED FROM THE CREDIT FILE. THEY ARE A TRACKING RECORD AND A REQUIREMENT OF THE FAIR CREDIT REPORTING ACT. THEY MUST REMAIN ON THE FILE FOR TWO YEARS FOR EMPLOYMENT PURPOSES AND ONE YEAR FOR OTHER PURPOSES. HOWEVER, IT IS OUR POLICY TO RETAIN ALL INQUIRIES FOR TWO YEARS. INQUIRIES ARE ALSO FOR THE CONSUMERS BENEFIT, AS YOU HAVE A RIGHT TO KNOW WHAT FIRMS HAVE ACCESSED YOUR CREDIT FILE
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ONLINE Information Services, Inc. (TX)

I talked with the company and they are looking into it but they told me to file this complaint along with a police report for Idenity Theft on XX/XX/XXXX the service was XXXX back in XXXX of XXXX
Consumer complaint received 2023-07-05
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: Paypal Holdings, Inc (WI)

I received a bill ostensibly from Pay Pal via my husbands email with a place to enter my pay pal numbers or a credit card and numbers. The bill is for {$670.00} for a 3 yr laptop service plan. I never ordered such a thing. In addition, although i do have an account with pay pal, it is set up to be paid via a credit card. 
This appears to be a scam. 
The billing companys address is listed XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX. The billing company lists their email address as : XXXX The subject line reads : Invoice from PayPal : Authorized Payment to XXXX XXXX The letter was addressed to XXXX @ XXXX It is frustrating and disheartening. So many attempted scams on the internet and so many scam phone calls. We have sometimes received as many as 20 scam phone calls a day. We have also received at least 10 scam emails. 
Growing older is distressing not only because of physical decline, but also because we are perceived of and hunted as prey.
Consumer complaint received 2023-07-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2023-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (CA)

This debt collection agency is negative reporting on my credit report that I opened an account XXXX in XXXX  and owes a balance of {$780.00}. I never opened this account. Ive submitted disputes regarding the accuracy, dollar amount, authentication and the account not being open as reported.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

The dates i started to write down are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( there were several more contact attempts/disputes that i deleted from XXXX ). XXXX is reporting an incorrect balance on 4 student loans that have {$0.00} balances. I've called XXXX, I've submitted online disputes, as well as submitted a copy of the last statement showing the accounts are paid ( {$0.00} balance ). XXXX has not done their job in verification of the information as they continue to show the wrong balances on the accounts. I've spoken with representatives and was lied to by the last rep who said the info was verified with the company Nelnet. I've called nelnet and they confirmed the account has a {$0.00} balance. XXXX is reporting I owe the following : {$5300.00}, {$7200.00}, {$5300.00}, and {$7400.00}. All incorrect! 

I've spoken with representatives and written emails to correct with Nelnet on XXXX XXXX XXXX XXXX The representatives ensured that the issue would be corrected on their end, yet its still showing up on my credit report and causing issues with me purchasing a car as well as a house. Please correct this incorrect information. Thank you.
Consumer complaint received 2023-07-05
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. (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, one of the three major credit reporting agencies. Despite multiple attempts on my part to resolve a serious issue involving a fraudulent account on my credit report, Experian has failed to address my concerns adequately and in compliance with federal consumer protection laws. 

On XX/XX/XXXX of this year, I notified all three credit bureaus, including Experian, of an account fraudulently opened under my name. I filed a formal report with the Federal Trade Commission ( FTC ) to back up my claim and requested the removal of this account from my credit report. 

XXXX and XXXX promptly deleted the fraudulent account from my credit reports. However, Experian responded by stating that the account was " verified ''. I followed up with a second letter to Experian, detailing my dispute and requesting proper investigation into this matter. 

In response, I received an automated email from Experian stating that no action will be taken, as they believed the dispute to have been filed by a " third party ''. I affirm that this is not the case, and I am personally seeking the correction of my credit report. 

Therefore, I am seeking your assistance in requiring Experian to : Conduct a thorough and proper investigation into my dispute, as mandated by the Fair Credit Reporting Act ( FCRA ). 
Remove the fraudulent account from my credit report, as already done by XXXX and XXXX. 
Remove any address associated with my credit report other than my current address, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Provide financial relief for their failure to investigate properly and comply with the FCRA and related consumer protection laws. 
Experian 's lack of proper response and their failure to conduct a thorough investigation as required by law has caused me significant financial and emotional distress. I am hopeful that the intervention of the CFPB can lead to an expedited resolution of this matter. 

I appreciate your prompt attention to this issue and look forward to your response.
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

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. 

XXXX XXXX {$0.00} Account # XXXX Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX  {$0.00} Account # XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX  {$0.00} Account # XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These negative items are affecting my credit report badly and is hindering me from exploring future credit opportunities. Please delete or remove these items on my behalf. 
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.
Consumer complaint received 2023-07-04
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-07-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: OLIPHANT FINANCIAL, LLC (MD)

I received a call from this company phone number called from was a robo/ XXXX ( XXXX ) XXXX not belonging to them. A XXXX asked for me and asked was dob XX/XX/XXXX she attempted to say shes a debt collector - I asked what company are you referring to she claimed XXXX Credit Card - very odd I explained because I had this removed from my report years ago for fraud ( the card was stolen and I proved not my debt with a previous company ) they never provide anything to me just removed it. She said well we bought this from them and not pursing? How can you do this after it was removed and resolved? Totally fraud. I will seek legal action from this company. They failed to research and threaten to add it back!
Consumer complaint received 2023-07-05
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. (NY)

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them.