davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Questionable XXXX XXXX account listed on my credit report. 

XX/XX/21 Certified letter sent to XXXX requesting validation of the debt. 
XX/XX/21 Response received from XXXX, validation request not honored in correspondence. 

XX/XX/21 certified letter sent to XXXX, Equifax and XXXX to alert of failed validation and request to verify debt. Copies of all correspondence submitted. 

XX/XX/21 response received from XXXX, validation request not honored in correspondence. No response received from Equifax or XXXX. 

This is adversely affecting my credit score and in turn my quality of life.
Consumer complaint received 2023-06-20
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. (AZ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2018-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (IL)

On XX/XX/2018 in response to an internet offer that promised a {$400.00} bonus, I opened Citibank checking and savings accounts and subsequently deposit {$15000.00} dollars. To maintain this amount for 60 days was the requirement for the {$400.00} bonus. After the 60 day period I contacted Citibank a number of times regarding the unpaid bonus. Their offshore call centers make contacting them difficult, but I persisted and on each occasion their customer service agent imediately asked for " an offer code ''. I responded to the offer directly through a weblink and have no knowledge of any such requirement. Subsequently I investigated and their bonus offer saw still widely circulated without any " offer code '' whatsoever. This is nothing more that a ploy from Citibank to increase their deposits without paying the depositors any interest or bonus. I ask you, or any reasonable person : would you deposit {$15000.00} in a bank account offering .04 % or less when you can easily find banks currently paying 2.0 % and higher. Citibank must be enjoined from cheating consumers through this most obvious fraud. Please feel free to contact me for any documentation required in prosecuting this illegal banking activity. I have considerable evidence to establish the fact that they are cheating their depositors. I have provided two pertinent screenshots of the offer I responded to and Citibank 's acceptance.
Consumer complaint received 2023-06-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS has discriminated against me as a senior by stating untruths about my documents that many seniors would not be able to figure out time and lose their homes or property. 

An application for modification was submitted XX/XX/XXXX and XX/XX/XXXX, the account XXXX was mischaracterizing documens and falsely marking with no status, no signature, and or that they had not been received. On the last complaint that was submitted in XXXX, I inaccurately referenced reinstatement instead of the modification application that had been submitted. I was using the terms interchangeably not know they were XXXX different products. While i was trying to get the mishaps of the application addressed, I said reinstatement. Then, SLS did send a reinstatement quote which was disappointing because I was complaining about discriminatory behavior and practises. 

For example, The account manger continually marked tax documents with no filing status, even though they were prepared by leading tax software that do not make those type of mistakes. And to boot, they were not rejected by the fed or state. 

I use a fax/email software to prove and document what I submit. Unfortunately, this isnt the XXXX time my family has had to deal with a matter like this. My daughter had a similar problem with XXXX though not as obvious as what happened at SLS.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX  Inquired on XXXX XXXX, 2023.
Consumer complaint received 2018-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (CA)

I am a XXXX XXXX XXXX XXXX and set up a Paypal account through my XXXX website, and successfully linked it to my XXXX bank account in early XX/XX/2018. 

A donation for {$540.00} was processed through my website by Paypal on XX/XX/2018. Paypal 's policy states that they may hold funds for " up to 21 days '', but when I checked with Paypal after 21 days, they said the funds were still on hold and they could not give me a release date. Note that I am not a product or service provider, so there is no legitimate reason I can see why they would withhold funds donated to me. 

It has now been 31 days, and Paypal has still not released my donation, which is creating an issue for my XXXX. When I asked why the funds are being held, Paypal 's tech support chat line said they did not know. 

For all this trouble, Paypal is charging a " processing fee '' of {$15.00}! 

In researching this issue online, it seems that Paypal has done this to other consumers as well, particularly through the XXXX website.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Dear Sir/Madam, I am writing to dispute the presence of old addresses on my credit report. I have recently obtained a copy of my credit report and have noticed that several outdated addresses are listed. 

I am concerned that these outdated addresses could be negatively affecting my credit score and could potentially be used for fraudulent purposes. I have not lived at these addresses for several years and request that they be removed from my credit report immediately. 

I understand that the presence of outdated addresses on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ) and could result in inaccurate reporting. I request that you investigate this matter and remove all outdated addresses from my credit report. 

Please provide me with written confirmation of the removal of these outdated addresses from my credit report. I appreciate your attention to this matter and look forward to hearing from you soon. 
The only address that should be on there is XXXX XXXX XXXX, XXXX XXXX Sincerely, XXXX XXXXXXXX XXXX
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I have been trying since XXXX to get information on how the credit bureaus verified my bankruptcy, more recently since around XX/XX/XXXX. Every XXXX days a new letter has been created to have this item removed. This item has been challenged XX/XX/XXXX and XX/XX/XXXX with the same response as accurate. 

Per a letter received from the XXXX Bankruptcy XXXX they do not report individual bankruptcy to the credit reporting agencies, nor do they update information directly to the credit bureaus. This has caused a hardship for me and my children as a single mother. 

According to the Fair Credit Reporting Act, Sections 611 ( e ), 623 ( a ) ( 3 ), 623 ( a ) ( 5 ), 609 ( a ) ( 1 ) ( A ), and 609 ( c ) ( 2 ) ( E ) they are required by law to verify through physical verification of an original signed consumer contract for each and every item which means all accounts they record on a credit report. All items that were under my bankruptcy have expired and no longer are apart of my file. 

The credit bureaus failure to positively verify payment history, to be 100 % accurate and complete reported in a timely matter has affected me to obtain credit. Also, it violates my privacy as they reported this without my permission.
Consumer complaint received 2018-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Neon Newco Corporation (CA)

I have Direct Deposit with Netspend ( XXXX ). My job sent direct deposit for {$6100.00} on XX/XX/18. XXXX received on XX/XX/18. I was supposed to have the DIrect Deposit in my account at the latest on XX/XX/18. I had to wait for 48 hours to receive my deposit.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I am writing to formally dispute the inaccurate information on my credit report, which I brought to the attention of Experian on XX/XX/2023. To date, Experian has not responded or addressed the following discrepancies. I kindly request your assistance in resolving this matter. 

XXXX Account Account Number : XXXX Experian has erroneously reported a late payment on the XXXX account. I want to emphasize that this account has never been late. Therefore, I request the immediate removal of the late payment notation from my credit report. 
XXXX XXXX Account Account Number : XXXX Experian XXXX indicates a late payment on the XXXX XXXX account. I would like to clarify that this account has never been late. Hence, I kindly request the removal of the late payment entry from my credit report.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

I have contacted conserve they are still showing as a delinquent account on all XXXX of my credit reports these have been closed for 2 years now and they still show as new.
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OR)

I initially opened a dispute XX/XX/23, because I had not received the sellers merchandise within the promised time frame and had no update on tracking. Upon receiving the merchandise I canceled the dispute on XX/XX/23 Once I reviewed the merchandise, the merchandise was damaged beyond use. I communicated back and forth with the seller and she advised me that she would be refunding me, but her system would not allow her to process the refund because I had already had a previous dispute with the bank and her system was not reflecting it closed so I advised I would reopen my dispute with the bank. When I called in to reopen the claim the rep was very short with me and not willing to take all of the information I was attempting to provide but was more so rushing me off the phone. I asked for the support email so I can send in proof of damages. I not only sent pictures of the damages to the seller, but I also sent videos and pictures of the damage to chime support. This merchandise is completely unsalvageable, and it was purchased in bulk supply from a vendor in order to resell. None of it can be resold. Not only are the items that I received damaged but I did not even receive the correct amount of items that I was supposed to. I also did not receive all of these styles and I did not receive the correct sizes. I explained this to the rep and also provided screenshots of the conversation with me and the seller where the seller agreed. I contacted chime support XX/XX/23 asking for an update on my dispute they replied saying they were still working on the dispute and less than two hours later sent a denial email. There is no way possible anyone that handled this case with care and reviewed the information I provided could conclude a denial!
Consumer complaint received 2023-06-20
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. (PA)

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, XXXX : # XXXX, XXXX XXXX XXXX/XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX  XXXX  : # XXXX has violated my rights. 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 2023-06-20
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. (PA)

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.
Consumer complaint received 2024-08-29
Product: Credit reporting 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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX Re : Notice of Dispute Dear CFPB, I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX XXXX - Delete this account because you are inaccurately reporting ( STATUS, BALANCE. Experian : Balance {$10000.00}, Balance updated XX/XX/XXXX, XXXX Account charged off. {$31000.00} written off. 
Status updated XX/XX/XXXX, Last payment date XX/XX/XXXX, Balance details Paid off.XXXX XXXX  XXXX POTENTIALLY NEGATIVE MONTHS Original balance XXXX Original balance {$21000.00} In XXXX : Balance updated, XX/XX/XXXX, Original balance $ XXXX Charged off as bad debt.Status updated XX/XX/XXXX You have 30 days from the receipt of this notice to conduct a reasonable investigation to determine whether the above information is inaccurate and delete the items from my consumer file. Please forward any changes to my file to the address above. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rocket Mortgage, LLC (TX)

been battling XXXX and id theft for more than 7 YEARS NOW I DONT KNOW WHAT TO TO ANY HELP WOULD BE GREATLY APPRECIATED FILED FTC, POLICE REPORT TO XXXX AND XXXX COUNTY
Consumer complaint received 2023-06-17
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: Experian Information Solutions Inc. (LA)

I have reviewed the documentation related to the aforementioned account, and it has come to my attention that the charge-off entry is incorrect. I have never received any written validation notice as mandated by USC 1692g. Furthermore, the accuracy of the charge-off entry itself is questionable and could potentially be a violation of 15 U.S.C. 6801, as there has been no prior notification of any charge-off proceedings. 

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. 


I have thoroughly reviewed the Metro 2 Credit Reporting Guidelines, and it is evident that the aforementioned items do not adhere to these guidelines. As such, I request that you investigate these inaccuracies and take immediate action to delete them from my credit file.
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Flexible Finance, Inc. (FL)

Flex Finance was NOT authorized to take money from my account at all. This company claims to pay your rent by taking money from your bank account and paying it on time for you. They have not gotten my permission, I never applied for anything to pay any rent. In fact, for the past 5 or 6 months, I've paid y rent late and been given late fees and been issued 3 or 4 30 day notices to pay rent or be evicted. How is this company " in business and authorized '' if they are taking money to pay my rent but I'm on the verge of eviction? 

I've asked my property manager over the phone and in person if anyone is paying rent for me and she laughed and said of course not. 

Flex has taken {$14.00} membership fee and {$500.00} from my checking account. I disputed it and got my money back but 60 days later, they charged me again and told my bank they had authorization to do business with me and I said they could take my money. 

I've had to close that bank account and stop direct deposit even thought I've had it open over 5 years. I'm now scrambling to find a new bank account to open but I have no trust these people won't find me again. They do not have a phone number and only communicate via email. I did and told them they are taking my money but I have no account or business with them. They asked me to verify my name, email and mailing address. I did and now they are saying my information is their authorization. I just want my refund of my money and for this company to leave me alone
Consumer complaint received 2023-06-19
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 (OK)

For a living, I provide XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2023, I received payment for XXXX of these trips ( {$5400.00} ) through PayPal. When I logged on and tried to withdraw the funds to my bank account, PayPal decided to permanently limit my account due to activity in my account thats inconsistent with their User Agreement. I was never explained the reason to their decision. When they permanently limit an account, all money in your balance is held for 180 days. They give you no other solution other than wait. 

If this hold isnt released, I will not be able to provide the trip my guest paid for. My guest wont understand that this is PayPals fault, not mine. Consequently, a bad review from this guest can destroy what I do for a living, which would destroy every other aspect of my life. 

PayPal can locate my account using my email address - XXXX XXXX
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have tried to resolve these issues countless times with compelling evidence. The bureaus state that they have verified these issues and they have never send the original contract needed to prove their investigation. According to 15 USC 1681 ( I ) ... they must prove Accuracy. No debt collector can report to the bureau as the original creditor... XXXX XXXX any such entity that are not the original creditor by law can report my financial issues.. because their not the creditor .. XXXX XXXX XXXX has been paid..I have the XXXX, because I had XXXX XXXX the debt was paid. And any and all Inquiries must be removed.. 15 USC 1681..I have the right to privacy ... This was a Consumer Transaction.