davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

Venmo closed my account with them with no reason given when all my transactions were legitimate. On XX/XX/XXXX, I received an email stating that I need to upload my identification to maintain my account status due to suspicious activity. I did not see this email, and my account was permanently closed. I contacted the Venmo support team on XX/XX/XXXX, and they provided no information besides reminding me that my account was permanently closed. On XX/XX/XXXX, I uploaded my identification to their website in order to attempt to get my account reopened but they did not provide any resolution. Further attempts to contact Venmo on XX/XX/XXXX resulted in the same message saying my account was closed. In addition, my Venmo account was linked to an organization account with {$2000.00} in it for a club at my school of which I am the XXXX of and every time I contacted Venmo support, they did not understand what an organization account was because it is a discontinued but still supported feature from years ago. I was repeatedly asked to provide phone number or email verification that I own the account, but those are not linked to the organization account since it works on a different system of assigning ownership to a personal Venmo account - i.e., not linked to a phone number or email. By closing my personal Venmo account, I am no longer able to access my organization account since they use the same login for both accounts.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (TX)

I wrote a complaint on Truist/ SunTrust Bank and got a response back from the CFPB about the complaint regarding a fraudulent account that was opened under my name. Attached is the response from the person that is handling the case. I have not been able to reach this person. Attached is the affidavit that was sent, that was required to be sent back by XXXX XXXX. This is the response from the complaint. Company still working Status Company response is in progress as of XX/XX/year> The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE This case has been received and assigned to XXXX XXXX of XXXX Truist Executive Services for research and response. In the meantime, XXXX XXXX XXXX be reached at XXXX with any or additional information. 
Company responded Status Company responded on XX/XX/year> The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Incorrect addresses on my report. 

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 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (DC)

MANDATE REQUEST!!

I HAVE A HARD INQUIRY AND ACCOUNT REVIEW INQUIRIES THAT WON '' T GO AWAY I NEED YOU TO FINE THESE COMPANIES LIKE XXXX AND XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (DC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2022-10-28
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. (LA)

I am submitting this 5th CFPB COMPLAINT today to inform the Credit Reporting Agencies are required to remove the disptued accounts and information from my Credit File under the Fair Credit Reporting Act Section 605b. I have been submitting Dispute letters and CFPB complaints addressed to the Credit Reporting Agencies requesting the removal of the disputed fraudulent accounts and information completely from my Credit File. However, the Credit Bureaus have become stubborn and neglected their duty to investigate and verify the disputed items. I was a victim of identity theft and that the items I am disputing were never mine neither did I authorizde anyone to open these accounts in my behalf. Under th Fair Credit Reporing Act section 605b, I am requesting once again to remove the following items completely from my Credit File : XXXX XXXXXXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$910.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Also, the Credit Bureaus have failed to send me copies of proof of their verification or proof of ownership to prove that the disputed items belong to me. And yet hey continued to report th disputed items despite not being able to verify the disputed accounts.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (NV)

Dear CFPB, I am filing this complaint against Experian for their ongoing unfair and deceptive trade practices. Despite opting out of marketing and non-essential notifications, I continue to receive notifications about my credit score changing. I have repeatedly updated my preferences through Experian 's platform, yet these alerts persist. 

Additionally, Experian 's login system is designed in a deceptive manner. Each time I log in, I am prompted to purchase services or sign up for a paid subscription, even when my intent is simply to access my account. These tactics mislead consumers and create confusion. I believe these actions violate consumer protection laws, including unfair and deceptive trade practices. 

I do not wish to engage with Experian further, yet they continue to send these unnecessary communications. I find this behavior particularly troubling from a credit reporting agency entrusted with sensitive consumer information. 

I request that an investigation be opened into Experian 's practices and that they be held accountable for failing to honor consumer preferences and employing misleading tactics to generate revenue.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


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 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-10-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (AR)

On XX/XX/XXXX I made a deposit of {$2700.00} to my American Express High Yield Savings account. It was showing in my account on XX/XX/XXXX due to it being a mobile check deposit. Ever since that date I have tried countless times to link my external bank account. I have tried every way imagined. I've called Both Amex and XXXX XXXX to see about these issues which all come down to Amex. I have talk to three supervisors and still no resolution since they tell me it has to be through account maintenance team. No one should have to beg to have access to their own money.
Consumer complaint received 2024-07-27
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. (CA)

A few months ago, I examined my credit report and discovered inaccuracies regarding the accounts : 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  ). These is a breach of my rights. I disputed these errors directly with the XXXX credit bureaus and the creditors, but only received generic feedback. As a result, I am filing this complaint based on my investigation. The company is violating sections of 15 USC.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (GA)

I called on or around XX/XX/XXXX and spoke with an agent about extended/ refinancing the loan to reduce the payments as they are very high and unmanageable at this time. I was told that I am not able to lower the payments. So I was then told I can receive a payment extension and have the payment deferred until XX/XX/XXXX ( XX/XX/XXXX ) after making a payment of only {$740.00}. I made the payment ( XX/XX/XXXX ) and was told to call back in 24hrs after the payment posted to the account. I called back ( XX/XX/XXXX ) and was told I had to make another payment to receive the extension. After becoming upset and confused I asked the for the issue to be escalated at a {$0.00} fee extension. I called back on XX/XX/XXXX after being told to allow time to process and multiple agents told me although the notes confirm everything I was told ( they refused to listen to the calls ). I asked to speak with a supervisor and was told no! I then asked to speak with a manager who confirmed yes the notes reflect what I was told, all the misinformation and me doing everything I was told to make the extension possible and was told AGAIN to still make another payment to get the extension. I refused to make another payment and asked them to honor the original agreement but the agent hung up on me and when I called the company back another agent picked up and hung up on me again. This is predatory lending and I would like to file a complaint. They are trying to keep me in a bind so they can repossess the vehicle although I am doing everything I can to keep the account current by exercising my payment options. I have attached proof of my payment as well as every time I have called trying to get a resolution for the issue with no help from Ally.
Consumer complaint received 2024-10-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AL)

I reached out to cfpb in 2016 regarding issues with Navient before you all reached a settlement with them and after my 2016 complaint they began to charge me late fees and continued to charge the same fees every month for the past 4 years. I would pay the fee and it never got removed so I'd pay again and they'd still charge me. They have now transferred the fee to Mohela for me to pay again. I have more documents to attach to support my claim, but the files are too large.
Consumer complaint received 2024-10-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (GA)

I called XXXX XXXX and was told I cant get my payments lowered because my account is less than XXXX payments less so I cant refinance for a more affordable monthly payment. 

I then tried to get an extension and was told by an agent as long as I make a one time {$740.00} payment to get my account out of 60+ days past due, then I am eligible for an extension. In the extension I was told I wouldnt have to make a payment until XX/XX/year>. The company did not honor this agreement and after many escalations they are now claiming my next payment will be due XXXX XXXX. This is a violation of the original agreement. 

The company refuses to replay the original call from XXXX XXXX. And everytime I ask for a call study or the issue to be escalated, no agent can find any information on the matter and then the issue gets escalated AGAIN, and AGAIN I am being told to call back in two business day, and then the cycle repeats itself again. I have been calling all month to get the issue resolved but have been getting the run around. They are trying to have me wait it out until so I either comply or forget about it. If they listen to the call from XXXX XXXX where the agent first offered the extension terms everything would be cleared up. Ally is practicing in predatory lending.
Consumer complaint received 2024-07-23
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. (GA)

I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AZ)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.