davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-03-22
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 (MO)

Hello - I sold my XXXX XXXX to a personal buyer for {$19000.00} paid via Paypal. I tried to transfer the funds to my personal bank account and learned that PayPal put restrictions on my account and closed it reason without cause, as the transaction is legal and I supplied proof to them per their request. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I read that you could help if I filed a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

before closing account, i was advise my balance will be adjusted to XXXX from {$3.00}. after 60 days, kept charging {$15.00} late fee foXXXX 2  consecutive months. every time i call them, they advise me to wait 7 days, and balance will be XXXX. as of 80 days balance still not XXXX, which impacting my credit score as well. please help me resolve issue with capital one bank. one of worst customer service i have ever faced, every time i call, i get customer service manager on phone, and same mistake and promise give to me. there is no manager or supervisor available to talk. i have called almost 15 time in 80 days to resolve issue and as of now its still not resolved
Consumer complaint received 2021-03-22
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: LEXISNEXIS (TX)

I received a response from Lexis Nexis from my complaint on XX/XX/2021, from Lexis Nexis on XX/XX/2021, it stated the Bankruptcy case was REMOVED, from Ms. XXXX 's profile. Then I get a letter in the mail dated XX/XX/2021, and got it in mail XX/XX/2021, stated that reinvestigation was verified. I am not understating how the information was verified. Especially now when LexisNexis is inaccurately reporting information from unverified source even when the courts stated they don't not report any files to any credit agencies. I called LexisNexis XX/XX/2021, when I received the document, regarding the results and information regarding file, I called and spoke with representative, name XXXX stating that there was not any information on my file regarding documentation that LexisNexis had responded as of XX/XX/2021 to Consumer Financial Protection Bureau. You're required to obtain verification from the DATA FURNISHER and the court told me that they don't verify with you, so HOW is anything else considered legal verification? I am including the document that was sent to me XX/XX/2021.
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (MA)

XXXX at Cash App Support = RE : A Message from Cash App Support [ ref : XXXX : ref ] We have had follow up email correspondence with XXXX at the Cash APP Executive Relations Team. We have provided Cash App with specific transaction information from our Bank. Cash App has sent an email stating that they would be returning the cash to our account. 

- Date and Time : XX/XX/21 at XXXX PST - Amount : {$980.00} - Sent to a card ending in : XXXX Our XXXX XXXX XXXX has verified that as of ( XX/XX/21 ) that hasn't been any ( ETF ) Electronic Funds Transfer from Cash App. ( Please see above ) We had originally spoken with XXXX at Cash App. She was a customer service representative. She opened a new case # XXXX to address this. 

Our Cash App Account, it was our understanding, that the funds would be returned to our Account by end of business today, XX/XX/XXXX. 

The original transaction date was ( XX/XX/21 ) at XXXX XXXX PST. 

The Amount was for {$980.00}. 

The payment ( refund ) would be directed back to her Debit Card ending in XXXX That transaction ID was PAMELAKENS XXXX CAUS = ( California, XXXX XXXX XXXX XXXX Banks transaction Identifier is : XXXX. 

Given that the refund was to be issued ( 5 ) business days from Thursday, XX/XX/XXXX, that would indicate that the 5th business day would have been Thursday, XX/XX/XXXX. 

As previously mentioned, our XXXX XXXX XXXX has verified that as of ( XX/XX/21 ) that hasn't been any ( ETF ) Electronic Funds Transfer from Cash App. 

XXXX XXXX XXXX has reached out directly to Cash App. XXXX XXXX XXXX has requested tracking codes from Cash App of the money transfer from Cash App 's Bank which is XXXX XXXX XXXX XXXX XXXX could then match that information and acquire its own transaction tracking code information by providing that in the form of XXXX documentation back to Cash App. Cash App has not responded to any these requests for information. 

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Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit ReporXXXX XXXX XXXX Account XXXX XXXX Dear CFPB Representative, I am writing to formally lodge a complaint concerning inaccurate and unverifiable information that is currently listed on my credit report under the account XXXX XXXXXXXX, Account Number XXXX. This complaint pertains to the information reported by XXXX and Equifax. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am entitled to a fair and accurate credit report. I have noticed several discrepancies and errors in the way this account is reported across different credit reporting agencies. Details of the account information are as follows : XXXX : o High Balance : {$640.00} o Date of Last Activity : XX/XX/XXXX o Date Reported : XX/XX/XXXX o Date Opened : XX/XX/XXXX o Balance Owed : {$640.00} o Account Status : Closed, Collection/Chargeoff o Payment Status : Charged off as bad debt o Dispute Status : Dispute resolved; customer disagrees Equifax : o High Balance : {$640.00} o Date of Last Activity : XX/XX/XXXX o Date Reported : XX/XX/XXXX o Date Opened : XX/XX/XXXX o Balance Owed : {$640.00} o Account Status : Closed, Collection/Chargeoff o Payment Status : Charged off account o Dispute Status : Consumer disputes after resolution These discrepancies, particularly in the reporting dates and the account status, lead me to believe that the information being reported is inaccurate and potentially damaging to my credit score. Moreover, there are conflicting records between the agencies, which further supports my claim that the information provided by the creditor can not be verified. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that under the FCRA, you are required to recheck these items with the creditor who has posted them. If the creditor is unable to verify the accuracy of the information, it must be removed from my report. 

Additionally, I am requesting that you ensure compliance with the 30-day reinvestigation requirement as mandated by 15 U.S.C. 1681i ( a ). Please remove any information that the creditor can not substantiate within this time frame.

I trust that you will treat this matter with the urgency it requires and ensure that my rights under the FCRA are fully upheld. Please provide me with written confirmation once the inaccurate information has been removed from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution. 

SincerelyXXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A. (DE)

Around XX/XX/XXXX I made a purchase for tickets to see XXXX XXXX at the XXXX XXXX XXXX in XXXX, DE. After contacting the Box Office and i was told the tickets were sold out, I put in for tickets online at a site XXXX  for the only show on XX/XX/year> at XXXX. Myself and my husband showed the internet tickets at the gate. The ticket agent was able to scan after several attempts. To her surprise, she stated " these don't always work. " After the concert, I called the PNC credit card dispute department to dispute the payment of {$460.00} for the show as fraud. The ticket price was just {$33.00} a seat ( general seating ) where we sat to see the show. It was not worth the amount we were charged. The third party XXXX refused to refund me. So, I called and emailed PNC credit card on XX/XX/year>. They refused me and asked for more evidence. I notified the venue and they gladly responded with an email noting the nominal cost of {$33.00} per seat. Around XX/XX/XXXX, I submitted this to PNC dispute dept and heard nothing to date.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2021-03-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAVALRY INVESTMENTS, LLC (TX)

I received a letter on XX/XX/XXXX about a DEFAULT JUDGMENT from XXXX County, Texas about me and I have no idea what this is about. I have never signed for any documents ; court orders or summons from anyone regarding this debt. I do not owe this debt as the person who owes this debt died in XXXX. A few years ago, I told the company about this situation and they stated that this file will be closed. I never heard from them again. Even if I wanted to assist with payment of this debt, I am unable to. I am XXXX XXXX and has a XXXX which limits work progress. This DEFAULT JUDGMENT states that they will dispose of me which according to my understanding, I will be killed, or my life will be terminated by this company - Calvary SPV, LLC. I am not sure why a court would pass judgement and never verify whether I received any documentation or not. I have never done any business with this company and I feel my life is being threatened for a minor debt in life that is not even my debt. Please advise me what to do as I am afraid to leave my home in fear that someone kill me and disposes of my body.
Consumer complaint received 2024-09-02
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX : account number : XXXX.
Consumer complaint received 2021-03-22
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am  writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

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, Account name : XXXX, Account name : XXXX Account name : XXXX, has violated my rights.

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 2021-03-22
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. (NV)

These are not my accounts as someone opened up these accounts with my social security number and another name. These accounts do not belong to me, nor do I have a contract with anyone of them. Please remove these accounts from my credit profile in it's entirety.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (CA)

I had a mortgage loan with Flagstar bank and had a Data Bridged : Flagstar Bank Statement on Accellion Vulnerability Accellion, a vendor that Flagstar uses for its file sharing platform, informed Flagstar on XX/XX/2021, that the platform had a vulnerability that was exploited by an unauthorized party. After XXXX informed us of the incident, Flagstar permanently discontinued use of this file sharing platform. Unfortunately, we have learned that the unauthorized party was able to access some of Flagstars information on the XXXX platform and that we are one of numerous XXXX clients who were impacted. 

Upon discovery, we acted immediately to contain the threat and engaged a team of third-party forensic experts to investigate and determine the full scope of this incident. After a thorough, diligent review of the data, we are now in the process of notifying impacted customers directly via U.S. Mail. 

Flagstar has been and remains fully operational, and other parts of our IT infrastructure outside of the XXXX platform were not impacted. Importantly, the XXXX platform was segmented from the rest of our network, and our core banking and mortgage systems were not affected.
Consumer complaint received 2018-07-06
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. (CA)

XXXX XXXX is reporting me with late payments and that card belongs to my dad.

XXXX XXXX is reporting 2 credit cards with late payments and those cards belong to my dad
Consumer complaint received 2021-03-22
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. (GA)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX XXXX, I sent Transunion a letter informing them than a closed XXXX account # XXXX was not reporting the late payments correctly, and was inconsistent with XXXX and XXXX. I requested that they conduct an investigation and fix, modify or delete the late payments. I got no response. The letter was delivered via USPS  tracking number XXXX on XX/XX/XXXX and signed by XXXX XXXX On XX/XX/XXXX, I sent a second letter to Transunion regarding the same account mentioned above, and reminding them that they did not respond to my first letter, and to delete the account for the following inaccuracies : 1. Late payment are not accurate and inconsistent with XXXX 2. Payment status not accurate and inconsistent with XXXX 3. Closed date not accurate and inconsistent with XXXX 4. Open Date not accurate and inconsistent with XXXX 5. Last Activity not accurate and inconsistent with XXXX 6. Comments not accurate and inconsistent with XXXX This second letter was delivered to Transunion on XX/XX/XXXX via USPS certified mail tracking number XXXX and signed for by XXXX XXXX. 


As of today XX/XX/XXXX, Transunion has not responded to any of my disputes, failed to conduct an investigation, and failed to update said account as requested in my disputes.
Consumer complaint received 2024-09-02
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. (LA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am deciding to reach out to CFPB because I have made my payments owed to XXXX XXXX XXXX in balance totaling {$3000.00}. This company has a record of collecting money from their customers and not reporting that it was paid for to credit agencies. In this case, they have still not reported a closed account to Transunion or XXXX for me. This has not just happened to me but many people also seeking for account details to be updated properly ; some seeking lawsuits against XXXX XXXX XXXX, I would like to report this agency for fraudulently advising me to pay this debt in full but with no intentions of actually removing it from my credit report.