davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.
Consumer complaint received 2023-10-02
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 (TX)

Subject : Urgent : Unlawful Account Limitation and Withholding of Funds I am penning this letter to report an alarming issue regarding PayPals actions, which I deem to be in violation of the U.S. law. I am XXXX XXXX, and the PayPal account associated with the email XXXX is under my name. 

My account has been inappropriately and indefinitely limited, with a substantial amount of {$2500.00} being unjustly held for a staggering period of 180 days. I firmly assert that such actions breach my consumer rights, as stipulated under Title X of the Dodd-Frank Act, known as the Consumer Financial Protection Act of XXXX  ( 12 U.S.C. 5481 ). 

Having thoroughly reviewed PayPal 's User Agreement and related policies, I affirm my adherence to all outlined terms, negating any grounds for the account limitation imposed. Despite my compliance, PayPals arbitrary action stands, reflecting a lack of clarity and potential infringement of the Electronic Fund Transfer Act, 15 U.S.C. 1693, which ensures the protection of consumers utilizing electronic fund transfers. 

PayPals indistinct terms and policies further cloud the scenario, emanating an impression of deliberate ambiguity to unfairly retain and withhold user funds, arguably violating the Truth in Savings Act ( 12 U.S.C. 4301 ). This action by PayPal not only exhibits an unlawful possession of my finances but exacerbates my economic strain, in contravention of the principles enshrined in the aforementioned legislations. 

I beseech the Consumer Financial Protection Bureau 's intervention in this disconcerting matter to ascertain a comprehensive investigation and a just resolution. I anticipate the reinstatement of my account access and the immediate release of my held funds, in line with the legal standards governing consumer financial protection. 

I stand available for any further information or clarification required in this regard and earnestly await your prompt and favorable action. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-10-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (MI)

XXXX XXXX did abuse the conscience of the Consumer by using deceptive forms for an auto loan. In XXXX  XXXX XXXX extended credit creating a debt with XXXXXXXX XXXX dealer in XXXX Michigan. I exercised my Consumer right of rescission and informed the dealership to come pick up the vehicle from my home. Based on the rescission efforts done in good the security interest was to be returned to me in accordance with the Truth in Lending Act. XXXX XXXX failed to return any security interest and the credit that was issued to them. Also XXXX XXXX  along with XXXX XXXX in Michigan committed identity theft due to not returning my wet ink signature contracts signed by me nor did they return the down payment that was not included in the finance charge. Both XXXX XXXX and XXXX XXXX did gain an interest in my private property in accordance with 15 USC 1667 ( 5 ) a security interest was granted to both XXXX XXXX and XXXX XXXX that secured my obligation to pay.
Consumer complaint received 2023-10-02
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: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX, someone claimed he purchased 3 items from XXXX using my Wells Fargo Credit card double cash card ending with XXXX. Two were pre-approved ( {$1000.00} and {$890.00} ) and 1 denied ( {$1900.00} ). 
I got an alert email from Wells Fargo about the transactions on the same day XX/XX/XXXX. 
I called, on the same day XX/XX/XXXX, Wells Fargo customer service, reported that I dont have anything to do with these 3 transactions, filed a claim and immediately changed my credit card number. 
A few weeks ago, I was shocked to receive a letter from Wells Fargo stating that 2 transactions were approved. 
I filed another dispute with Wells Fargo. I provided more documents about the issue. They refused again. 

I have had an XXXX account since XXXX. I never had any such issues. 
I provided Wells Fargo the following : * ) All my XXXX purchases since XX/XX/XXXX to XX/XX/XXXX in a pdf file. 
All my valid XXXX purchases have a valid XXXX order number in the description ( XXXX ) The 2 fraud charges descriptions on XX/XX/XXXX dont have such a valid XXXX order number. Talking to XXXX fraud department, they mentioned legitimate XXXX orders always show the XXXX order number on my card statement. 
Why Wells Fargo didn't contact XXXX and check on all my XXXX transactions? They have all my information. 
Plus I called Wells Fargo the dame day ( XX/XX/XXXX ) to cancel the 2 transactions. They didn't. Why they cancelled one transaction on XX/XX/XXXX and approved 2 transactions? 
Wells Fargo never told me what was purchased on XXXX XXXX by who? shipped to where? I asked these questions more than once, no answer. 

I talked to XXXX fraud activity department ( XXXX XXXX XXXX or XXXX XXXX XXXX ). They also confirm that I didnt have any transactions around XX/XX/XXXX. 
* ) I filed a police report. 
* ) I filed a report with FTC. 
* ) Next I will go to court if this is not resolved.
Consumer complaint received 2023-09-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

On or around XX/XX/2023 l requested validation of this debt. I received a settlement of debt offer letter. Per 15 U.S. Code 1681b - Permissible purposes of consumer reports. I am requesting that this be removed from my report immediately.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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.

has violated my rights. Or a 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 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (AR)

I have worked for XXXX XXXX XXXX  for XXXX XXXX XXXX  years, On XXXX XX/XX/23, I logged into my XXXXXXXX XXXX XXXX member account and found a transfer and purchased made without my permission since my personal information like my SSN, date of birth, and possibly other IDs have been compromised. They mailed me a new card a few months ago, which I have not activated yet due to identity theft, and they do not trust me as the owner of the account event though I have been with them for XXXX  years or more. They do not allow me to activate my card for the last 3 months. However, they allowed the hacker ( XXXX ) to make a transfer under my name. So, I called Synchrony Bank again to let them know about it, but still want more info from me since refused to accept that I am the owner of the account. I sent them some of the information they needed from me but wanted my utilities bills, which I have told them time and time again I do not have have because I live in a group home.
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

On XX/XX/2019, I contacted Equifax to get a credit report and to freeze our account. When I tried to get to my account online, the web site would not accept my log on and locked my account. I called Equifax and the person told me to try again. I told her I tried several times and I tried to reset my password several times but the account stayed locked. She said the system was having problems and I should try later. I told her this has been going on for several days and she just said there was nothing she could do. I then asked her to freeze my account while Im on the phone and after several long waits, she said she needed to ask me questions to verify who I am. She asked me if I had a mortgage and who with whereas I answered correctly no. She again asked who with and I told her I did not have a mortgage. She then asked if I had any major loans and who with which I again correctly answered no. She again asked who with and I told her I had no loans or any mortgage. She said she was sorry and that if I could not answer those questions she could not help me. I asked to speak to her supervision who asked the same questions almost word for word. At this point I told them that I answered their questions correctly and what else did they need. The supervisor told me that I should get my credit report to see what it said whereas I told her that is what I was trying to do. She said she could not help me and that I should write in to Equifax to make the request. 
My wife, who was having the same problems with her account then got on line to freeze her account. She answered all the questions asked but the supervisor said she could not help her and she should write in as well. 
I had no problems with the other two Credit Agencies on freezing my accounts but Equifax, who created the security breach, was uncooperative.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX is reporting a balance on my account when the information is inaccurate. I received a 1099c for the balance and would like for my account to reflect accurately according to the FCRA and FCDPA. Please update my account to XXXX based upon what was reported to the IRS. Please update my records accordingly. The information is on the copy of the 1099c.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to delete this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 

XXXX XXXX XXXX
Consumer complaint received 2019-06-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (WI)

I spoke to XXXX and XXXX of XXXX in XXXX on Monday XX/XX/19 I updated them that I have heard back from cash app customer service via the email and square up Inc there's a corporate company via email and I'm in contact with them to try to resolve this fraudulent cash app  usage cash app account and cash app transactions with this I am working like I said with XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX in XXXX Wisconsin and some colleagues of theirs at the XXXX convenience store in XXXX Wisconsin at XXXX convenience this investigation will go until further updates are provided I will provide them once they are ready.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE BEEN HAVING ON GOING ISSUES WITH THESE ACCOUNTTS THAT HAVE REMAINED ON MY CREDIT FILES AND ITS FRAUD AND DOES NOT BELONG TO ME. PER 15 USC 1681B THIS IS AGAINST THE LAW AND MUST BE REMOVED ASAP! I DID NOT GIVE ANYONE PERMISSION TO FYRNISH THIS INFORMATION ESPECIALLY INFORMATION THAT IS CLEARLY WRONG.
Consumer complaint received 2019-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

XX/XX/XXXX enrolled based upon misleading/false information about job placement and ability to find employment after graduation. Then upon loans being due I called Navient for help with repayment options at which I was steared numerous times to deferr and forebare my loans ; even after asking about repayment plan options. I have had extreme financial hardship since graduating in XXXX never making enough to get off of welfare let alone repay my loans.
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (TX)

Started back in XXXX of XXXX I was a victim of money laundering on pay pal it was my XXXX   XXXX XXXX thought I could trust her turns out not. She called them the next day after she showed me how to get the money out she put in my account to give her, she told them I stole it then she has been trying to get credit cards under my name, so I put an alert on all 3 companies, but synchrony bank did not care even though I made good with they lowered all my cards and some below and even changed me over the limit fees. I dont remember all the dates I wish I did it was amazon care credit now they closed my jc pennys to slowly they are closing all my account ; they sad I have bad collections I do not have any collections at all they lied.i dont understand why they are doing this to me I pay more than they want. I need your help.
Consumer complaint received 2023-11-21
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. (DC)

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.

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 2019-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans Union is reporting a debt that needs to be deleted right away. I did not owe the debt and it is inaccurate. XXXX inaccurately charged me and the matter has been resolved with them. There was nothing owed and this is acct is false!! I requested that Trans Union remove yet they failed to accurately review and resolve the matter. There was a transfer of responsibility from my old act ( old act # XXXX ) to my wife 's ( new act # XXXX ). Nothing should have changed yet XXXX failed to do properly make the changes. They eventually figured this out and gave me a credit to our new acct. While I was disputing this charge with XXXX-XXXX, there should not have been any reporting to the bureaus. I paid the acct while the dispute with them was active in order to ensure that there was no credit report issues. Instead of clearing up this mess, XXXXXXXX made more of a mess. Ultimately they realized their mistake and provided a credit to my new acct for the amount that I paid ( {$130.00} ). They screwed up a simple task of transferring acct ownership from me to my spouse. In short, I never owed them anything and my acct which is now my wife 's acct is paid as agreed with no delinquencies. Trans union need to delete this account Immediately!!!
Consumer complaint received 2023-09-26
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. (LA)

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.

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 2019-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (IL)

The collection company, DIVERSIFIED CONSULTANTS, is saying that I owe them an amount of {$870.00}. I have no knowledge of this account. I asked them to validate this amount and I have not been provided with evidence nor a detailed explanation stating the reason behind this amount. Ive disputed this amount directly to the collection company two times in 2018, once on XX/XX/XXXX and the second time on XX/XX/XXXX. According to the Fair Debt Collection Practices Act, Section 808 : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law is a violation of this section. Any collection fees or interest that have been added by DIVERSIFIED CONSULTANTS is unlawful and they should not be reporting this amount to my credit this way.
Consumer complaint received 2023-09-26
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. (MA)

In accordance with the Fair Credit Reporting act, two accounts on my credit report have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX ... ... has violated my rights to privacy and confidentiality. 

Account name : XXXX XXXX ... ... has violated my rights to privacy and confidentiality. 

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 an account without my written instructions.

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.

These inaccuracies are stopping me from providing a home for my family.