davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIRST NATIONAL BANK OF OMAHA (TX)

XXXX XXXX XXXX Fm XXXX XXXX XXXX, Tx XXXX XX/XX/2022 FNB Omaha Subject : Notice of Dispute - Reporting Inaccurate Information to Credit Report I am writing to formally dispute the inaccurate information being reported by FNB Omaha to my credit report. It has come to my attention that you are reporting an alleged debt in the amount of {$12000.00}, even though the said debt has been fully paid in accordance with the provisions outlined in the Federal Trade Commission 's regulations, specifically 16 CFR 433.1, 433.2, and 433.3.

Allow me to provide a brief overview of each of the regulations : 1. 16 CFR 433.1 : This regulation establishes the rights and obligations of both the debtor and the creditor concerning the repayment of a debt. It emphasizes fair debt collection practices and aims to ensure accurate reporting of debts.

2. 16 CFR 433.2 : This regulation governs the validation of debts and outlines the requirements for a creditor to provide proof of a debt upon request from the debtor. It is crucial in establishing the validity of the alleged debt.

3. 16 CFR 433.3 : This regulation pertains to the disputing of debts and specifies the procedures that must be followed when a debtor contests the validity or accuracy of a debt. It underscores the debtor 's right to challenge the debt and seek its removal from their credit report.

Considering the regulations, I assert that the debt in question, as outlined in the contract, has been fulfilled and paid in full. The promissory note associated with this debt is a negotiable instrument that clearly indicates my obligation has been satisfied.

Therefore, I kindly request that you rectify the reporting of this debt on my credit report immediately. Specifically, I request that my account be updated to reflect it as " Paid in Full '' and " Paid as Agreed. '' Accurate and fair reporting of credit information is essential to maintain the integrity and accuracy of credit reports.

I trust that you will conduct a thorough investigation into this matter and take the necessary steps to update my credit report accordingly. Failure to address this dispute within the statutory time frame may result in legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ).

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the correction made to my credit report within 30 days from the receipt of this notice. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-11-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

i applied for a small installment loan from.what i thought was acecashexpress and i got an email stating i was approved with what looked like official letterhead even a pic of the license with an approval number and a name on it. i called they explained the fees to me than asked me to.fully verify.my social, my debit card and bank acct. they say theyll call me back i than get a call from my bank who.said someone called in 5 claims about 5 different withdrawals luckily the lady at bank found it suspicious and tried to.further verift this person acting like me and told them they needed to go into a local store.they did.call back and told me they were workin on it except this time i recorded the.covo
Consumer complaint received 2024-10-20
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. (FL)

I am submitting a formal complaint against the credit reporting agency Experian, which has failed to correct inaccurate information on my credit report following two formal dispute attempts. On both occasions, I provided the necessary documentation to demonstrate that the reported late payments on the account in question were inaccurate. However, the information continues to appear on my credit report without the requested corrections, negatively impacting my credit profile and my ability to access credit on fair terms. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXX Dates of Reported Late Payments : XXXX 2023, XX/XX/year>2023 It is important to note that this account is only being reported by Experian and does not appear on the reports of other credit bureaus, suggesting a lack of consistency in the reported information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( 5 ), it is mandated that if the reinvestigation of a dispute does not resolve the consumers complaint, the credit reporting agency must delete the disputed information within five business days following the conclusion of the reinvestigation. Experian has failed to comply with this regulation by retaining the inaccurate information, constituting a direct violation of the FCRA. 
This negligence not only disregards Experians legal obligations but has also caused significant financial harm and emotional distress by impairing my ability to access credit under reasonable conditions. 
I request that the CFPB investigate this matter and intervene to ensure that Experian fulfills its responsibilities under the FCRA. I am requesting the immediate removal of the disputed account from my credit report and the implementation of necessary measures to prevent this situation from recurring. Additionally, I expect to receive confirmation of the actions taken by the CFPB in response to this complaint. 
Enclosed are supporting documents, including copies of the dispute letters sent to Experian, my credit report, and evidence of the inaccuracies in the reported information. 
Thank you for your attention to this matter, and I trust that a prompt resolution will ensure the accuracy and fairness in the handling of my credit report.
Consumer complaint received 2018-11-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I ordered some dresses from XXXX through PayPal. I received only 3 of the 4 dresses that I paid for and they are not made of material, but some kind of paper. PayPal will not return my money. XXXX is a complete scam and PayPal knows it. PayPal is helping XXXX perpetrate a fraud on people. There are hundreds of victims.
Consumer complaint received 2023-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

PHH did not pay our XXXX taxes. I contacted them in XXXX and as of today they still have not paid the remaining taxes and have not confirmed that any late or lawyers fees were not deducted from our Escrow account. 

Below is the communication I sent them in XXXX. None of this has been addressed by them : I received a letter today that we are delinquent on our XXXX Trash and Hydrant fees at a total of {$400.00}. Last year we received a letter from the XXXX  stating that we were delinquent on our taxes and PHH finally paid that amount in XX/XX/XXXX. However, that amount only accounted for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX taxes. It did not include the XXXX XXXX and XXXX XXXX taxes. Those are with another collection company, XXXX XXXX XXXX. - Original XXXX Tax Bill Total - {$150000.00} - this was not paid in XXXX ( included XXXX XXXX XXXX, XXXX XXXX, XXXX Hydrant XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ) - XXXX Delinquent notice and threat of lien received for - {$1400.00} - PHH paid {$1400.00}, Homeowner paid remaining {$9.00} to avoid additional PHH delays and lien being placed on home ( included XXXX Real Estate XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ) - REMAINING AMOUNT OWED to XXXX XXXX XXXX - {$400.00} due ASAP ( XXXX  Refuse and XXXX  Hydrant ) I am requesting 4 things : 1. Details on where I can submit the outstanding amount so it can be paid ASAP 2. Confirmation that the {$300.00} in late fees, interest, and penalties has not be taken from our escrow. If it has, please restore these funds ASAP as these errors were through no fault of our own ( {$270.00} to XXXX XXXX XXXX, {$25.00} to XXXX XXXX ) 3. Instructions on how I can submit for reimbursement of the {$9.00} paid out of pocket. 
4. Requesting that all of the above be expedited. We have been dealing with this issue since XX/XX/XXXX and can not wait 10 days for someone to review and get back to us
Consumer complaint received 2023-07-08
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: EQUIFAX, INC. (MI)

Date Opened : XX/XX/19 XXXX XXXX XXXX  has violated my rights as a consumer. According to 15 USC 6802 : ( b ) Opt out, ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I did not get an opportunity to choose if I wanted my nonpublic personal information disclose to any third party including credit reporting agencies. I have expressed to XXXX multiple times through letters, that i do not want my information/transactions/experiences furnished to ANY third parties. I have sent multiple letters yet I have gotten no response to my issue.
Consumer complaint received 2023-07-08
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. (MI)

Date Opened : XX/XX/19 XXXX XXXX XXXX  has violated my rights as a consumer. According to 15 USC 6802 : ( b ) Opt out, ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I did not get an opportunity to choose if I wanted my nonpublic personal information disclose to any third party including credit reporting agencies. I have expressed to XXXX multiple times through letters, that i do not want my information/transactions/experiences furnished to ANY third parties. I have sent multiple letters yet I have gotten no response to my issue.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have disputed the late payments on XXXXL XXXX XXXX.. The credit bureaus refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2023-07-08
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: 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. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-10
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. (IN)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 



XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (AR)

Hj! I received a letter approximately XX/XX/2023 that if I dont reach to American Express to discuss procedure on my credit card by XX/XX/2023 that it would close and sent to collections! Ive called around XXXX XXXX XXXX to discuss matters and was told that it was already sent to collection and today is the XXXX
Consumer complaint received 2023-07-08
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. (FL)

XXXX XXXX XXXX ACCOUNT IS INACCURATE REPORT IN MY CREDIT AND SHALL DELETE. 
ACCOUNT NUMBER : XXXX WITH A BALNACE OF {$27000.00} SHALL DELETE FROM MY CREDIT REPORT DUE TO FRAUD AND INACCURATE. 
THIS ACCOUNT IS CHARGED OFF AND I REQUEST THE WIT DOCUMENTS SIGNATURE AND WHY COLLECTIONS KEEP CALLING ME. 
THIS ACCOUNT SHALL DELETE FROM CREDIT REPORT.
Consumer complaint received 2023-07-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was alerted by XXXX that my credit was pulled by Bank of America. I have no need to use BoA and didn't request anything from them. I tried calling the BoA number on the XXXX report but was continually disconnected because I don't have an account with them. I then had to use XXXX XXXX  to try and speak with a BoA rep who then told me ( without asking any confirming information ) that there was no way BoA pulled my credit and XXXX was wrong. Now just days later I received a credit card from BoA using a name I haven't used in 20 years for a credit card I don't want. No one at BoA will help me and now my credit has been expanded for usage for a card I don't want. Lack of any help at all from BoA has been shocking. I can't tell who asked for the card, if there has been fraud, etc because I can not get a rep to respond to my inquiries.
Consumer complaint received 2018-11-28
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 ()

If I am right PayPal place limitation on my account at XXXX Avg. after that I provided all documents they ask me, next day then take from me {$1800.00} USD. I got mail : We regret to inform you that we're initiating the closure of your PayPal account. This measure is necessary to protect us from potential financial losses. 

And they said maybe will give me my money back before 180 days, they are very rude at the phone, not wanting to find a fair solution for me. Horrible! 

I got big financial lose because company of millions of dollars cares about their selfs.
Consumer complaint received 2023-07-11
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. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I am hoping for a quick correction on this matter. Thank you. 
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 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 2018-11-26
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. (NC)

I have filed a dispute with XXXX XXXX many times concerning this matter.I have spoke with the XXXX  fraud department many times concerning unauthorized inquires from XXXX XXXX XXXX that was placed on my Credit Report.I have asked XXXX to remove the unauthorized inquires from my report, but they refuse to do so, they told me that I need to speak with XXXX XXXX  about the inquires.Well I spoke with XXXX XXXX about the inquire which they are showing that I never had an account with them.They all so send a letter to XXXX  and myself showing that the those inquires need to be suppress from my XXXX Credit Report.I have resent the letter that send to me but XXXX  still refuse to remove them from my XXXX   Credit Report which is outrageous that XXXX  is allowed to do this which can harm people lively hood and creditably on their jobs.I will be attaching the letter that was send for verification to all three credit Reporting Agencies.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.
Consumer complaint received 2023-07-08
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)

On XX/XX/XXXX, someone opened up credit in my name fraudulently. This person resides in Florida. I reside in a different state. The account was eventually closed. I froze my credit and added a fraud alert. However, the address is still on my credit report.