davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2020-05-22
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-24
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-05-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

I use paypal for 6 year and all is normal on my account i use to recive and withdraw money to XXXX bank account .A ploblem happen last year XX/XX/2019 i got some little sale for 2 tranaction this sell is from i sell image online my hobbie sell i do this first time and i conversation to buyer through email and i accept paypal as it easy to recive money after i recive money for 2 tranaction i got account limit and paypal ask me what is this sale from i say to paypal this image sale for 2 tranaction they need proof conversation i send to them and after got my proof they limit me and say wait 180 day to withdraw my money but i refund buyer already. .And they say my account limit cause i do gambling and nutcracker and after that i wait about half year before 180 day i see 176 day paypal take all my money and say i m do damage to paypal i lose all money to paypal cause i recive wrong type payment if buyer send money to me by friend or household it not a ploblem it ploblem cause it send money to me by buyer or service this wrong and very gone wrong .I see this it a trap i reciver dont know and press recive and not have track or website he? she lose money for free paypal will limit and take all money in hold cause by this it gone wrong paypal dont care they make a trap they not help user i m tell all what is it from my sale but they anser like bot we decision is final not clarify and not have a proof for i do gambling .i send message and inbox to them but got response like bot and cant help .I see paypal is a trap if user accept service or some little sale and have all conversation but they decline this is a way paypal take user money i dont know how to do cause in XXXX paypal office was gone in last year they gather office XXXX  to XXXX i need help me i m not usa XXXX  but paypal cant do this with other user around the world .i lose XXXX free from my hard work collect i need someone help me to got my hardwork money back i dont like to lose free this money to some bad employee paypal
Consumer complaint received 2024-07-25
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: Experian Information Solutions Inc. (WI)

XXXX XXXX XXXX. XXXX  company is getting away from. Reporting inaccurate FRAUD Government. By reporting inaccurate. Whenever this company responds incorrectly due to these going disputes. Last over 120 days Which has effect my credit rating notice scores .DROPPING.. the credit reporting hasn't reported correctly for quite sometime. .whenever they respond incorrectly. The credit bureau records. Decisions decreed reporting. DONT. Change. I'm bein. Denial for All CREDIT LINES Purchases. This account PAID OFF. When go out and apply for lines credit Been told been turned down not just has it has. affected my scoresit effects INQUIRYS. 25 months HARD credit. Credit bureaus. Try. Having these. Disputes. I DONE 1OX. I HAVE. PROVIDED All NECESSARY DOCUMENTS. BILL.S ALSO THE ORIGINAL OWNER for this AUTO. XXXX XXXX. WHOM. HAS NOTICED HIS account AlSO Recently ( CHANGED ) DECREASE FROM. this. inaccurate. REPORTING from this company l tried using his account fas. EVIDENCE used on an ongoing Dispute Creditt bureau companies. .Whom made changes on his. Account. Without. Give him Proper. Warning. NOTICE changes occurred past this. ( XXXX ) XXXX  CHANGED decision .DECREASING HIS. REPORTING RECORDS FROM THIS company XXXX XXXX Everyone is. Speaking about credit bureaus inaccurately. Report grading. Wonders.is this.technique stunt is bein used. by preventing people for applying for ANY LINE CREDIT. XXXX XXXX account been turned over to ATTORNEY GENERAL .formal worker, veteran bein. denied for Credit Document. PROVIDED SHOWING ACCOUNT. PAID OFF. SOONER. AGREED.UPON. THE. BILL HISTORY Attacks belo NO late payments Mades. All on times. NOTICE.CREDIT BUREAU REFUSED changed anything that needs reporting also notice. Are Grades DECREASED .PREVENTED ME FROM, REACH NESS goals life. SCORE NEEDS PURCHASE HOME NOR RENT. I letter payin Experian other SELF Reporting DEVICES STILL CAN NOT REACH.SCORES FICO. SCORES NEEDED HIRED CREDITS. SPECIALIST. WHOSE NOTiCE. CREDIT BUEAUS. ASWELL WHOMS. Seems be HELPING. XXXX XXXX l company 's. Fraud Government with helping of credit bureaus
Consumer complaint received 2020-05-24
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. (IL)

THESE COMPANIES ARE IN VIOLATION AND HAVE NOT FOLLOWED THE FCRA REQUIREMENTS AND HAVE REINSERTED A ACCOUNT BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME. THIS GOES AGAINST THE LAW AND I WILL FILE A LAWSUIT IF THINGS ARE NOT HANDLED PROPERLY.
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (NJ)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX BALANCED {$2200.00XXXX XXXX XXXX  XXXX BALANCED {$3600.00} XXXX XXXXXXXX BALANCED {$9800.00} XXXX XXXX XXXX BALANCED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-05-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (CA)

I received a letter from Capio Partners indicating I had a 7 year old medical debt. This debt is not mine and I have no record of this debt whatsoever. The amount in question is {$1000.00}. 

I filed a formal dispute with Capio via certified mail and have yet to hear back. In the meantime, they added the debt to my credit report without providing any proof of the debt. 

This has negatively impacted my ability to access credit and will end up costing me thousands of dollars.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding fraudulent items was submitted on XX/XX/year>, and I have not yet received a response. ''
Consumer complaint received 2020-05-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Conn's, Inc. (LA)

I started an account with Conn 's XXXX for a XXXX refrigerator. Once the account was established it had a sectional on it that should've been removed. I have requested that that account be closed out, this hasn't been completed, instead they opened another account with just the refrigerator. Now I have XXXX accounts XXXX that is reporting a {$6000.00} balance that is incorrect. The account with just the refrigerator was paid off XX/XX/XXXX but is still showing a balance due to interest. The interest promotion was to be reinstated because the duplicate account was making my true account show past due, maintaining a current account is a stipulation. The payment amount for the {$6000.00} acct was {$250.00} but to the only refrigerator act was {$90.00}, I started making the {$90.00} payments and started being reported as past due. have had numerous cases to resolve but they have gone unworked. The latest is case XXXX, that I'm being told will take XXXX business days but I am being reported to the credit bureaus for being 180 days late on XXXX accounts, XXXX that should've never been established and XXXX that is paid off but need adjusting for interest. The representative calculated and quoted me the payoff amount manually because the case still wasn't worked from XX/XX/XXXX. I filed credit disputes and the company responded back promptly that the information was correct despite cases that are open on my account proving otherwise. I find it strange they weren't able to work my case but had the ability to respond fraudulently to the credit bureaus.
Consumer complaint received 2024-07-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MS)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure 10 investigate these item within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong
Consumer complaint received 2020-05-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I checked my credit report, and saw an account for Kohls/Capital One in the amount of {$1800.00}. At the time the account became delinquent, I lost my job and eventually became homeless. I was living from one family member to another for a few years working side gigs. Now that I'm stable and gainfully employed, I'd love to settle with {$500.00} for a deletion.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (CA)

Summary of Issue : I am filing a complaint against XXXX XXXX XXXX XXXX XXXX, as the company falsely claimed that there was a legal judgment against me regarding a debt they are attempting to collect. On XX/XX/XXXX and XX/XX/XXXX, the representative stated there was a pending legal notice and judgment, which I later confirmed was not true. This was a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), as it is illegal to misrepresent legal action or threaten consumers with non-existent judgments. 

Details of the Complaint : Harassment and False Claims : The company contacted me multiple times within days and falsely claimed a judgment existed, using this as a scare tactic to pressure me into paying the debt. They even sent me a payment plan asking for my credit card information and stated that if my information was not entered by the end of the day, they would send my file to the legal department and that there would be " nothing I can do to fix the situation since there was a judgment to garnish my wages. '' Failure to Provide Documentation : When asked for proof of the judgment, legal notice, and original debt documentation, the representative refused to provide any legal documentation beyond a payment arrangement. He kept stating that " I sounded like I didn't want to pay my debt and he would let legal follow through with the garnishment. '' Outcome with XXXX  : I have already filed a complaint with the XXXX XXXX XXXX ( XXXX  ). Following my complaint, XXXX XXXX XXXX, XXXX admitted to troubling account handling and placed the account in cease-and-desist status. However, they still have not resolved the issue or provided adequate proof of the legitimacy of the debt. 

Request for Action : I am requesting the CFPB or FTC investigate the deceptive practices of XXXX XXXX XXXX, XXXX and take appropriate action to ensure that they adhere to the legal requirements for debt collection and reporting. I would like confirmation that this debt will be removed from my credit report if they can not provide legitimate documentation or proof of the judgment, they claimed existed.
Consumer complaint received 2024-10-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (MA)

My mortgage loan was transferred to Freedom mortgage in XX/XX/year>. After they did the escrow analysis for my loan, I believe there is an error on tax amount that cost my mortgage payment increased by more than {$1000.00} per month ( {$4000.00} to {$5300.00} ). I tried to resolve this problem with freedom mortgage since XX/XX/XXXX till now but nothing is being done beside asking me to wait from week after week. {$1000.00} is the big increase for mortgage payment. I have been struggled financially because of that. Please help me with this problem so they can resolve this as soon as possible. Thank you.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Skrill USA, Inc. (NY)

I have {$5400.00} deposited with XXXX. I attempted to withdraw {$490.00} and my account was frozen. I have gone through all requested verifications and my account is still frozen after 3 days. I attempted to call yesterday and was told there was nothing they can do, someone will eventually review it. I asked to escalate the issue and was told there would be a call back which never happened.
Consumer complaint received 2024-07-25
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. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2020-05-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (AL)

I was contacted and scammed on XXXX of 2018 and I was XXXX enough to believe it was the department of education. They knew all of my information and where I went to school and everything and told me about a student forgiveness program I was eligible for ; based on my income. They said if I paid in {$550.00} then I could get into the program and I ended up putting it on credit thinking I could get my debt erased. I was tricked to believe that If I ended up making an substantial amount of money next year then worst case of scenario I would get my money backs I have the email where it was confirmed that I was accepted into the program and everything. It identified them as XXXX. Now I realized they just set me up with Nelnet, who I was paying my loan to for a forbearance and I was mislead this whole time. Now the number they gave me has been disconnected and everything.
Consumer complaint received 2024-07-25
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX, and XX/XX/2020 I attempted to transfer funds through XXXX from my Chase Checking Account, to my mother 's XXXX  XXXX XXXX checking account. After a couple of unsuccessful attempts, I contacted Chase for assistance on this matter, which at that time I spoke to a Chase representative on the above days over the phone and in the branch to get assistance on transferring funds from my account to my mother 's XXXX  XXXX XXXX account. Unfortunately, due to the misinformation received from the chase representative, I kept attempting to transfer funds, which was unsuccessful, and Chase closed my account due to suspicious activity.