davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
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. (OH)

This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. This inaccurate information falsely manipulates the statute of limitation. you failed to investigate this account properly and you neglect has violated my rights. I am demanding a deletion of the following account Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

On XX/XX/year> while I was requesting some information from my bretheren from the church my XXXX went haywire and shutoff then a blue screen took it in the shop could not shut it off and my issue I was hacked just as XXXX  said so i BOUGHT A NEW PHONE BUT AFTER THAT MY LIFE went to XXXX as XXXX accounts shoed up on my credit report XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (CA)

Company has reported acct late and it is affecting my credit. I was never late because there was no payment ever due for the accts. I have contacted company to delete the late payment reports but they refuse to. The transactions are inaccurate because I was never late on the accts. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MA)

In my letter to Resurgent, I addressed significant inaccuracies reported on my credit file related to an account they are handling. These inaccuracies include inconsistent balance amounts, incorrect payment statuses, and conflicting dates of last activity, which have negatively impacted my credit score.

I formally requested a complete debt validation, including the original signed agreement, itemized payment history, and proof of ownership or transfer of the debt. Despite my efforts, Resurgent has failed to provide the necessary validation or correct the reporting errors, resulting in continued harm to my creditworthiness. 

I am seeking the immediate deletion of the inaccurate information from my credit reports and written confirmation that the issue has been resolved.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-26
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. (AL)

They are violating my rights under er 15 1USC1681 a, b and I I am I am promise 100 % accuracy if they cant verify it updated it have to be removed. I have disputed this several times and they keep sending back verified this but not once did day. Send me a method of verification had verified. It just updated verified accurate as well as my information was exposed in a data breach also they reported in accurate information. Also, the data furniture is not trying to do anything so I have no alternative, but to file allows suit and sue them for punitive damages. My credit worth this which is they are ruining my reputation. They also removed some items and then re-inserted them back on without even seeing Red permission, I asked him to remove it and verified as accurate mistakes and actresses in inconsistent so I would now be pursuing legal obligations
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VI)

Dear CFPB, I am writing to file a complaint regarding a debt collection matter that I am completely unfamiliar with. I have recently received communications from PORTFOLIO RECOVERY regarding a {$500.00} debt. 

I have no recollection of incurring this debt or having any prior dealings with [ Debt Collector ]. I have attempted to contact PORTFOLIO RECOVERY to obtain more information about the alleged debt, but my attempts have been unsuccessful.

I believe this may be a case of mistaken identity or a fraudulent debt claim. I am requesting that you investigate this matter thoroughly and take appropriate action to protect my rights as a consumer. 

Please find attached copies of all relevant documents that I have received from PORTFOLIO RECOVERY. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I am writing to formally dispute the validity of the debt you claim I owe, which amounts to {$6100.00}. I recently received a communication from your office regarding this debt, but I do not recognize this debt and believe that it is the result of identity theft. 

As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the following documentation : Proof that I am legally obligated to pay this debt, including a copy of the original signed agreement. 
Detailed records showing the origin of the debt and the account history. 
Any documentation proving that the debt is valid and that you have the authority to collect it. 
Please cease all collection activities until you provide the requested proof. If you are unable to provide the necessary documentation, I request that you remove this debt from my records and cease further communication regarding this matter. 

Please confirm receipt of this letter and provide the requested information at your earliest convenience. You may contact me via mail at the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Advanced Resolution Services Inc. (TX)

The personal information on my report is wrong. The only personal information that should be on there is my name and current address. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Please delete all names and addresses that are not the ones I just listed. Any phone numbers and jobs need to be deleted as well as they are all wrong.
Consumer complaint received 2024-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

I have {$1100.00} sitting in the account they claim to have closed due to a disputed transaction the disputed transaction investigation has been concluded and I still haven't received the money that is sitting in the so called closed account I have called numerous times to get my money and they refuse to send it stating that they are doing an internal investigation on my account usage and that they do not have any other information as to when it will be released or what type of internal investigation they are conducting I just want my money that is in the account ASAP as I have bills I need to pay with that money! They closed my account stating that " Weve decided to close your Capital One joint bank account ( s ) ending in XXXX because we observed activity that is inconsistent with our expectations for account usage. The account ( s ) will not be reopened. '' This was on XX/XX/year>. I have yet to receive my money sitting in that account. Deposits can be made to it as my paycheck went in there because I couldn't stop it in time but no funds can be withdrawn. I have talked to numerous banks and lawyers and what they are doing by holding my money isn't legal! Their letter to us said once all claims are completed they would send our money within 3-5 days to a linked account or 5-7 days by check. We have a linked account and still no money received.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

Subject : Complaint Regarding Chase Banks Handling of a Dispute for Non-Delivered Item Dear Sir/Madam, I am writing to file a complaint against Chase Bank concerning a dispute I filed for an item I never received. The item in question " XXXX '' was scheduled for delivery to my home on XXXXXXXX XXXX. However, I did not receive the package. After realizing the item had not been delivered, I contacted the company multiple times via email to resolve the issue, but I received no response. 

As a result, I submitted a formal dispute with Chase Bank, explaining the situation. To my dismay, two weeks later, Chase denied my dispute, citing the tracking information, which indicated that the package had been delivered. When I called Chase to discuss the matter further, I was informed that even if the item had been stolen from my property, they are not responsible for items that go missing after being marked as delivered.

I find this response unacceptable. I should not be held responsible for an item I never received, whether due to theft or any other reason beyond my control. Chases refusal to assist, despite my efforts to address the issue with the seller and provide all necessary details, leaves me without any resolution or compensation.

I kindly request that the XXXX XXXX XXXX assist me in addressing this issue and helping me hold Chase accountable for not protecting their customer from a loss. I am seeking a fair resolution where I am not held responsible for a product I never received. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-10-17
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)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2024-09-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (FL)

Signed a lease for XXXX  months with XXXX  months free. Moved in XX/XX/XXXX. XXXX  month 's rent was credited, pro-rated for the partial month. XXXX 's rent was credited. The next XXXX  months were paid by XXXX. Moved out XX/XX/XXXX. The apartment was cleaned, walk through with management 's rep, was told everything was fine. In XXXX I received an email from XXXX XXXX including a " Resolution Offer ''. I did not receive any statement of account from XXXX XXXX prior to the collection effort by XXXX. I sent XXXX a screen shot of the XXXX ACH payments, and a screen shot of my calendar showing reservations at XXXX XXXX for XXXX, indicating I moved out timely. XXXX said they would investigate the account, contacting the creditor. I warned the XXXX clerk that I did not want any issues that would affect my credit. Then pushed multiple times on multiple calls as to where the investigation was? The standard response was " there is no timetable, we are waiting for the creditor to respond. ". I contacted the A/R at XXXX XXXX XXXX XXXX messages for a week. I finaly got a leasing agent to review the account, and she saw the error, The XX/XX/XXXX rent should have been credited, pro-rata, to fulfill the " XXXX free '' offer. I asked for her to issue a credit and call off the collection effort. She said only XXXX could do it, so I left message for XXXX to call. I sent XXXX an email. I called XXXX the next day. XXXX finally returned the call and we went through the accounting. I asked XXXX to zero the account and call off the collection effort. This was all XXXX. XXXX XXXX XXXX XXXX emailed me to let me know all but {$48.00} was credited, but the {$48.00} was due and could only be paid by cashier 's check or money order. I copied XXXX on the correspondence from HG on XXXX. I delivered a cashier 's check to HG the XXXX  business day, and sent a copy of the receipt to XXXX.
Consumer complaint received 2024-09-17
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 (CA)

My PayPal account XXXX was deactivated and I havent been able to access the account. I have always abided by the terms of use and service and been compliant. PayPal has not allowed me to remove bank accounts or credit cards. They have held all my information captive. We are in the final steps of asking for resolution before we submit a lawsuit to PayPal to open up their unscrupulous arbitrary business practices to discovery and deposition.
Consumer complaint received 2024-10-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (CA)

For the better part of 2+ years, i been trying to get a hold of someone to REVIEW my application and give me a prompt response. Ive gotten no information on any updated regarding my Borrower Right to Defense application which was thoroughly documented and submitted. I need this resolved ASAP as i have been patiently waiting and keep reaching out to no updates. See screenshots below. 
THIS IS UNACCEPTABLE for a government agency to take 3 years for disposition on an application!!! Ive suffered losses of homeownership due to these student loans and the length of time that this has taken to be reviewed. THIS IS UTTERLY REPREHENSIBLE AND THE AGENCY AND THE SCHOOL IN QUESTION NEEDS TO BE HELD ACCOUNTABILE. PLEASE REPRIMAND
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

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. Account # XXXXXXXX XXXX XXXX A acct # XXXX, XXXX XXXXXXXX ACCOUNT # XXXX, XXXX XXXX 
Account # XXXX, XXXX ACCOUNT # XXXX Has Violated my rights. 15 USC 1681 section 602 A. States i have the right to privacy. 15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

My account from Citibank was closed on XX/XX/XXXX and I was not notified until I found out that I was locked out of my account. I contacted Citibank and they informed me my account was in the process of closure due to suspicious fraud activity but I asked them to provide me with more information. I tried to switch over my XXXX to my bank which may have triggered the security system to mark my account for closure but I am unable to notify Citibank to stop my accounts closure. They told me that I would receive a check and mail to my address about my account closure but they still havent sent that check. They also sent the mail to my old address and have not given me any answers
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX -Late Payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX -Late Payment XXXX XXXX XXXX XXXX XXXX XXXX -Late Payment XXXX XXXX XXXX XXXX XXXX XXXX -Late Payment XXXXXXXX XXXX XXXX XXXX XXXX -Late Payment XXXXXXXX XXXX XXXX XXXX -Collection/Charge Off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the reporting of several late payments on my credit report. 
The following accounts are inaccurately reflecting late payments, which were, in fact, paid on time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the provisions of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are obligated to provide accurate information to consumer reporting agencies. It is unlawful to report late payments when, in reality, those payments were made on time.

Additionally, according to 15 U.S. Code 1681a 2 ( A ) ( i ), a " consumer report '' should not include information solely related to transactions or experiences between the consumer and the person making the report unless otherwise provided for under specific exceptions. 
The late payments reported on the accounts listed above are inaccurate and should not be included in my credit report. 
I request that you promptly investigate and correct these inaccuracies by removing the erroneous late payment entries from my credit report. I trust that you will update my credit report to reflect my actual payment history, as required by law.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (FL)

I had my paycheck direct deposited into my Venmo account. When I tried to withdraw my money it would not let me. I received an email from Venmo stating I needed to submit my driver 's license. I did. Then I received a second email stating I needed to submit picture of me holding my license. I did again. Then I received a third email stating my has been deactivated and my funds will be held for 180 days. Seriously I did everything asked and still could not get my money. What did I violate. I worked. My company deposited my paycheck. Venmo made up some nonsense and kept my money. I have bills and this has put me in a bad position.