davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-19
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: AMERICAN EXPRESS COMPANY (SC)

American Express was asked to remove the inquiry form my consumer reports ( XXXX, XXXX and XXXX ) because I did not give them permissible Purpose furnish my report. This company did not investigate, submit the written instructions or delete the inquiry on sent a letter of denial. 

This Act is a violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

The letter of denial does not show that I was the one who submitted the application and gave them permissible purpose to furnish my account. I did not give my information to American Express and I want these inquiries to be removed off my account immediately.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (LA)

Dispute letter have been sent out regarding the debts in question, have received any documentation within the 5 days stated by law. I am a human being my name is XXXX XXXX, I feel totally disrespected bu the credit bureaus. i have a right to privacy. I also have an issue regarding Investigation Consumer Report, once something has been deleted it cant be placed back on my report unless some confirms it as being accurate. So who confirmed the accuracy and whom did the credit bureau speak with concerning the Investigation of Consumer Report. I never authorized the Inquiries on my credit report. My information appears to have been comprised.
Consumer complaint received 2023-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Inquired on XX/XX/2023 XXXX XXXXXXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} TD XXXX XXXX XXXX Balance : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA AV XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : -
Consumer complaint received 2021-04-28
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 ()

Hi, I opened a PayPal account on XXXX XX/XX/2021, and had my account limited, upon the registration, and according to the message that I saw on my PayPal dashboard, was that it was limited for fraudulent reasons, and I believe there's a huge mistake somewhere. 

I registered a business account with the right details, and also included my National ID number, which is : Name : XXXX XXXX XXXX XXXX ID : XXXX PayPal Email Account : XXXX I've never used PayPal business account before, though I have a PayPal Personal account, which is : Name : XXXX XXXX Email : XXXX And I didn't see the reason why my PayPal business account was limited. I was asked to submit an ID ( Identification Detail ) in order to lift my account, in which I submitted my national ID as a form of PDF. 

Then after some hours, I received a shocking message from PayPal that i can not use PayPal any longer. I'm still very shocked and depressed, because I didn't see any reason at all for this. If there was a reason, PayPal would've let me know or should let me know. I can't wait after 180 days according to the message that I received from PayPal. 

I am a merchant, affiliate marketer, blogger, and a XXXX. I really need a business PayPal account for receiving payments online. I do use XXXX, but I prefer PayPal to XXXX. 

Please PayPal, solve this issue the best way you can. Any problem, you can contact me on this email : Email : XXXX Because, I am 24/7 active on that email. Anyway, waiting for your response. 

Thanks.
Consumer complaint received 2023-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter.

Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2024-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Paypal has banned me from using my paypal balance to pay for items on XXXX They did it without my consent. I want paypal to allow me to use my Paypal balance, not my checking account, as the preferred way to pay.
Consumer complaint received 2023-04-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

It has been over thirty days and the creditor has not updated the information nor has provided proof or documentation in regardless to a late payment. They have not supplied this information and they must delete the aleged late payments o my credit report. Under federal law they have thirty days to complete the investigation And by failing to do so my rights have been violated.
Consumer complaint received 2023-04-15
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. (FL)

Copy of Email sent on XX/XX/XXXX to XXXX XXXX XXXX  EST To the investigation team for identity theft and fraud, I submitted a screen shot from EXPERIAN credit agency showing that the following two accounts are under DISPUTE a SECOND TIME because they are identity theft as requested by XXXX XXXX member customer rep who created the CASE ID on XX/XX/XXXX approximately at XXXX XXXX. 

I was supposed to receive FOLLOW UP by the XXXX INVESTIGATIVE TEAM by XX/XX/XXXX. I receive NO FOLLOW UP VIA EMAIL. 

I emailed XXXX  again on XX/XX/XXXX included the requested screenshot dispute page from Experian and still received NO FOLLOW UP. 

I called the XXXX customer phone center twice due to not being able to hear the representatives speak without repeating cutting in and out on the phone and asked to escalate to a supervisor XXXX who repeated a script about needing to resubmit due to me receiving no follow up and that it takes 3-5 business days to receive follow up. 

I had to disconnect the phone call with supervisor XXXX because I could not hear him any longer. 

I had multiple fraudulent accounts opened with XXXX all in collections without my consent back in XXXX of XXXX which I discovered in XX/XX/XXXX when I received an updated credit report from all three credit reporting agencies and was experiencing identity theft. 

XXXX  reported in XX/XX/XXXX to EXPERIAN dispute that I filed that ALL accounts were indeed fraudulent except for TWO ACCOUNTS : That begin with XXXX  AND XXXX  with balances remaining even though the accounts were all closed by my request and still causing major damage to my credit report and FICO score. 

This is the reason for opening CASE ID XXXX to dispute the remaining two XXXX accounts as equally fraudulent. 
It is iLLOGICAL that these two accounts would remain on my credit report due to XXXX but all others all opened in XX/XX/XXXX without my consent using my personal information would be legitimate. 

I am extremely upset with the delays and system of XXXX to give me scripted answers and no appropriate follow up for a simple matter where these accounts should also be immediately reported as fraud to Experian so they can also be removed from my credit report. I did not OPEN ANY XXXX ACCOUNTS IN XX/XX/XXXX AND I AM NOT FINANCIALLY RESPONSIBLE FOR THEM. 

However, Until XXXX  confirms these last remaining accounts are also fraudulent like all the others they confirmed fraud, my credit report suffers and it shows me responsible and that they are in collections! 

Who will step up in XXXX and take responsibility to do the right thing? 
I am reporting this situation to the CFPB Consumer Financial Protection Bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (CA)

I opened a bank account with navy federal and within 30 days a credit card was set up with a person I do not know as a authorized user. Navy federal doesnt car and wont tell me if my social or my daughters is at risk we both got accounts
Consumer complaint received 2023-04-15
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. (FL)

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. ( IVE SENT OUT LETTERS TO ALL XXXX CREDIT BUREAU SINCE XX/XX/2022 AND STILL HAVEN'T RECEIVED ANY PROOF SUCH AS CONTRACTS OR AGREEMENTS WITH MY SIGNATURES PROOF OF IDENTITY AND ALL INFORMATION THAT SHOWS ACCOUNTS ARE BEING REPORTED 100 % ACCURATELY!!! PLEASE REMOVE ALL INACCURATE ACCOUNTS BELOW IMMEDIATELY OFF OF MY CREDIT REPORT! ) Dear Credit Bureaus Accounts Disputed Listed Below : XXXXXXXX XXXX XXXX Account number XXXX 
XXXX. XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number XXXX After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! Thank you, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Equfax is allowing a company to incorrectly report data on y credit report. I have submitted a letter to them from the collection company dated XX/XX/2021 that say I only owe {$350.00}. Yet despite having a copy of this letter they are still allowing the company to report that as of XX/XX/XXXX I owe a balance of {$440.00}. and have made no payments. I filed a dispute and the information was not corrected. I faxed and mailed a copy of the letter to Equfax. I also attached a copy of the letter to my dispute form. Despite all of this they are still allowing the company to report incorrect information. See attachments.
Consumer complaint received 2021-07-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN PACIFIC MORTGAGE (CA)

Around late XXXX to XX/XX/2020. We started to apply for a home loan for a SALE BY OWNER ( FSBO ) Property. We were given the priority by seller to purchase this home up front. We initiated the process with American Pacific Mortgage, turned in all documents necessary, started escrow, started and paid for inspections, paid for septic clean up, etc Everything came downhill when the property was inspected, the report came back saying it had a 2nd home on the property, and simply right off the back was not considered a single dwelling. The company failed to package the loan properly and therefore failed to investigate the status of this property, after we asked for a second opinion, hoping to get another home loan elsewhere, our second loan officer told us that the verbiage used to describe this home was incorrect. It should have been a single dwelling with an accessory. 
All along this property qualified under the title of a single dwelling, that small house shouldnt have been an issue. 

The issue then became the down payment. They wanted us to shell out 20 % when ultimately the buyer that bought the home after us put down the minimum 3.5 % down. The excuse was that the property had 2 houses & was not considered a single dwelling BUT our second loan person told us THOSE FINDINGS were an error. This is our problem .... WHY did this company give the " proper '' loan to the current owner of the property in question with ONLY 3.5 % down?

Did they give him priority to purchase said property because he was a current customer of theirs already and was in the position to get more loans with them in the future? ( it was his second loan w/ them, and he planned to refi with them and possibly go for a 3rd home loan ). Wouldnt this behavior be considered questionable if we were as qualified as much as the current owner was? Why him and not us? We where already the chosen buyers to acquire this property, by seller, other buyer came after our loan crumbled with American Mortgage. Given the facts we know this transaction has more of a fraudulent tone than just an error this deserves an explanation of what REALLY transpired American Mortgage can only answer to this.
Consumer complaint received 2023-11-18
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)

My personal information was breached because of XXXX to obtain several credit accounts and applied for several loans without my permission or authorization. I've sent XXXX, XXXX, Experian several letters in detail about the situation, and in return within an average of 2 weeks they replied and said information is verified/certified correct. Sent letter on XX/XX/2023 second on XX/XX/2023, and both times nothing was changed. I've contacted the creditors also, and of course was informed that i have to take it up with the credit bureau who is reporting the information to have it removed. How is it the creditor when asked about it can't do anything but i have to contact the for profit credit bureau to investigate, and nothing comes out of it.
Consumer complaint received 2023-04-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (FL)

My Chime bank account was closed completely after i filed disputes with them because someone fraudulent used my card and identity. After reporting the theft to chime and providing my supporting documents on XX/XX/2023 they closed my account two days later XX/XX/2023 stating I didnt comply with the deposit account agreement. I have been using chime to receive my paycheck every two weeks which was well over {$1000.00} every two weeks, i used the account responsibly and never misused it. Once they closed my account i was informed my account wasnt eligible for a refund, they just stole my hard earned money. I had two deposits being ready to be refunded from my trip and was told by a representative theres nothing they can do. My account was fraudulent used for almost {$4000.00} i did the right thing and reported it and Chime is acting like Im the criminal. I sent them my police report and my Identity Theft report it went ignored completely. And after looking at all the complaints from consumers i think this is racially motivated all these people are XXXX Americans.
Consumer complaint received 2023-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

I was trying to get a loan and they claimed I had to by gift cards with money they deposited to raise my credit score. Now the bank is making ME repay almost XXXX dollars they deposited into my account to buy cards from target. Now Wells Fargo has frozen my bank account.
Consumer complaint received 2023-11-18
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: EQUIFAX, INC. (AZ)

XX/XX/23 i sent a dispute to equifax going over some items i felt were in accurate and eperian has done everything to ignore my request to look into the dispute. They continue to stall in regards to this matter
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I am XXXX XXXX XXXX. I opened an account with Chase. I opened the account on line. About 2 weeks after the account was opened I tried to transfer money to my account and was not allowed to. I contacted Chase customer service. ( Chase did not have the decency to contact me about this event despite having my e-mail, telephone number and address, ) I waited on hold for 45 minutes and finally was able to speak to a customer service rep. The rep informed me that his department did not handle my issue and transferred me to another department. I waited on hold again for around 30 minutes. When that rep answered the phone they told me their department was not handling that problem and transferred me to another department. I waited on hold for another 45 minutes. Finally the person who answered told me Chase was closing my account because my " E-mail was suspicious ''. When I asked what they meant by suspicious I was told they could not tell me. Now my account is closed. I am on a fixed income ( I make less than {$800.00} a month ) I cant pay any of my bills from that account. I cant get a logical explanation out of Chase as to what : Suspicious E-mail means. I wonder if their mothers know how shamefully Chase treats poor senor citizens. I am XXXX XXXX XXXX and have never committed a crime and I am being told my e-mail is suspicious?????????