davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
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. (NJ)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think illegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

Unable to create an account online via ChexSystems website, I get and error 801, or an error saying my security quiz questions have reached its limit. Over the phone support keeps telling me to call XXXX, and they say to call ChexSystems. I am just needed to dispute some inaccuracies and outdated information on my consumer report.
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (VA)

On XX/XX/2022 Lexington law charge my account for service that was cancelled. 
I was billed for service that was cancelled. I will like for the fund to be returned as soon as possible. I no longer want service. Please see the attached picture from the website concerning my account be cancelled.
Consumer complaint received 2022-02-13
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 (GA)

I have a PayPal account which PayPal refuses to allow me to close because I have a PayPal Credit account through a second agency, XXXX XXXX I am unable to access the PayPal account or the PayPal Credit account issued by XXXX XXXX  and PayPal refuses to fix the problem because I do not have a phone. However without an associated phone number the account remains active as I receive monthly statements that I can not access to confirm if any fraudulent activity is going on. Again this applies to both the PayPal account and the PayPal Credit account issued by XXXX XXXX. Additionally purchases can still be made with the account using third party website. For example, though requiring a phone number is considered a security feature by PayPal representatives, I can successfully complete a purchase at XXXX with no problem.
Consumer complaint received 2024-07-26
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: Experian Information Solutions Inc. (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to XXXX XXXX XXXX  of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-07-26
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: Experian Information Solutions Inc. (DE)

I am writing to follow up on my previous dispute letters regarding the inaccurate and invalid negative items currently being reported on my credit file. It is unacceptable that these erroneous entries have not been removed despite my repeated requests and provision of supporting documentation.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have called every month since XXXX to get a stop payment on a re-occuring charge Every month the cancel my cards and tell me the issues are resolved, and every month I am having to call in.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

They are taking months to resolve and the 3 escalations provided no resolution. I contacted the CEO XXXX XXXX on XX/XX/XXXX, and and XXXX XXXX XXXX XXXX XXXX XXXX both have no response. 

At this point, I know there is incorrect information on my profile and they are not helping resolve issues they have created. 

My account information has been changed and I can not access the account I pay you to protect. I have been paying Experian {$27.00} per month for a service which has failed me. 

I have request the following since XXXX. 
1 ) Reset my account to ONLY my personal information below and DO NOT allow changes not made by me.

2 ) Freeze the account to prevent access other than me and maintain this status until I alone change.

3 ) Report the fraud to those agencies ( police, federal, local ) as necessary and warranted to help hold those criminals responsible 4 ) Credit my payments for a failure to provide the services you charged me. 

I have called your help desk several times to report fraud, including the very service for which I had been paying you. I have been unable to access my account as someone has changed the account profile data via your own system and process. Now I am forced to send to you ( ironically ) physical proof that I am who I say I am.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Dear Experian, I am writing to formally request the removal of certain debt collection entries from my credit report. These entries, listed below, have not been properly verified by the debt collectors, in violation of the Fair Debt Collection Practices Act ( FDCPA ) : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$1300.00} Despite my formal request for debt validation sent to the respective debt collectors on XX/XX/year>, they have failed to provide the necessary documentation and proof of the debt. As such, these entries are inaccurate and should be removed from my credit report.
Consumer complaint received 2023-07-26
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. (AZ)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

My account with ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 21 days before the payment due date. 


( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid 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: Block, Inc. (MN)

Square inc is the company my small business uses to process customers monthly payments. Square took roughly {$8500.00} from a client 's account on XXXX, XXXX. I kept charging the client because I didn't think the payment cleared. Square has the money and I have to come up with {$8500.00} that I do not have. 

I finally got a hold of someone at Square and they said it was from a dispute in XXXX. The account they put the money in I do not recognize. I bought the business from someone else. They said the accounts are linked. They need to put the money back immediately.
Consumer complaint received 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

On the date of XX/XX/year>, I deposited a personal check into my checking account. The Bank then placed a hold on my funds. From the dates XX/XX/year> until present, I have been lied to about the nature of the hold. First, it was stated it was random. Second, it was stated it was believed to be fraudulent ; now, I have been placed on hold for XXXX minutes and left after being hung up on by a " supervisor ''. It was sent to the fraud department. The fraud department supervisor I spoke to was very disrespectful and unsupportive and lied about why the hold was placed. I would told them they could release the hold by a lower department representative, but the XXXX woman I talked to was unsupportive, disrespectful, uninformed, uneducated, and unprofessional. Even after the issuer of the check called, to verify the check, they still placed a hold. I can't access the funds that I need. This bank 's atmosphere is not customer-friendly, and its representative departments are not up to standard and I believe it is doing illegal banking practices.
Consumer complaint received 2024-07-26
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. (IL)

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reason for dispute_IDENTITY THEFT_ Account Amount ____ Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for dispute IDENTITY THEFT_________________ Account XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Reason for dispute__IDENTITY THEFT______________________ Account Amount Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason for dispute__IDENTITY THEFT___________________ Account XXXX Account Name XXXX XXXX XXXX XXXX XXXX Reason for dispute__IDENTITY THEFT_______________________ Account XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for dispute__IDENTITY THEFT___________________________ Account XXXX
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : BofA - XXXX
Consumer complaint received 2023-07-26
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)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2023-07-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

On XXXX, we suffered a house fire. XXXX sent us a check for {$210000.00} to rebuild our house. The check was addressed to us, XXXX and XXXX XXXX, our private adjuster, XXXX XXXX XXXX XXXX, and Freedom Mortgage. We owe a mortgage on our house, and we are not behind in payments. We contacted Freedom Mortgage regarding the check. On XX/XX/2023, we received an email from XXXX XXXX XXXX containing a packet of five forms we were instructed to complete and send to Freedom Mortgage with the endorsed check in order to receive the {$210000.00} to rebuild our home. We sent the completed forms and the endorsed check via XXXX mail overnight to Freedom Mortgage on XX/XX/2023. On XX/XX/XXXX, my husband, XXXX XXXX called the Freedom Mortgage Loss Draft Department and spoke to XXXX. XXXX said our packet and check had been uploaded XX/XX/2023 into Freedom Mortgages Loss Draft Department. He then stated that we would receive our check within ten business days from when the check was uploaded. 
Today is XX/XX/2023. XXXX business days have come and gone. Freedom Mortgage gave me a XXXX tracking number created to mail my check. Today XXXX, I called XXXX and they have not received any package from Freedom Mortgage associated with the tracking number. They did confirm that tracking number was generated by Freedom Mortgage XX/XX/2023. 
Today I received a message in writing from Freedom Mortgage through my portal on their website stating that my check was mailed to me XX/XX/2023. 
Today, when I called to verify this information, XXXX in the loss draft department said the check is being processed and the earliest it would be mailed to us is Wednesday, XX/XX/2023. Also, I haved asked numerous times both in writing and verbally that my processor, XXXX XXXX, call me regarding this matter. No one has called me. 
Clearly, Freedom Mortgage has exceeded their timeline of XXXX business days to give me my money. I told them in writing and verbally that I have a XXXX XXXX XXXX daughter who is a XXXX and XXXX. Our house that burned was XXXX accessible. Currently, we are in a rent house that is not XXXX accessible. Freedom Mortgage is also in violation of the Americans with Disabilities Act by denying me the funds to rebuild my home that is accessible to my daughter. I am requesting that I immediately receive my check. Attached is all messages sent and received through the Freedom Mortgage website portal regarding this matter. 
XXXX and XXXX XXXX cell : XXXX, cell : XXXX