davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
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. (TX)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the unlawful reporting and handling of my accounts by the following creditors : XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX. I believe their actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX Sections XXXX and XXXX ( XXXX ). Under XXXX XXXX. XXXX Section XXXX, creditors are required to provide accurate and complete information to consumer reporting agencies ( CRAs ) such as XXXX, XXXX, and TransUnion. However, the aforementioned creditors have failed to accurately report my account information, leading to discrepancies and inaccuracies on my credit report. Furthermore, under XXXX XXXX. XXXX Section XXXX ( XXXX ), consumers have the right to dispute any inaccurate information on their credit reports. Despite my repeated attempts to dispute the inaccuracies associated with the accounts mentioned above, the creditors have neglected to conduct a reasonable investigation into the disputed information and have failed to correct the errors. As a result of the creditors ' negligent reporting practices and failure to address my disputes, my creditworthiness has been unfairly impacted. These inaccuracies have hindered my ability to obtain credit on favorable terms, secure housing, and pursue other financial opportunities. I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action against the creditors for their violations of the FCRA. Additionally, I urge the CFPB to ensure that the inaccurate information on my credit report is promptly corrected to reflect the true and accurate state of my financial history. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2024-07-29
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. (MD)

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 XXXX 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 2024-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OK)

Earlier this year I noticed several transactions in my account from PayPal that I did not authorize. The total amount of transactions came to {$2500.00}. One of my credit unions ( XXXX XXXX ) credited me back ( {$620.00} ) and my other credit union ( XXXX XXXX XXXX ) advised that I needed to work with PayPal. I reported everything as fraud to PayPal on XX/XX/XXXX and I was advised that they can only dispute transactions that happened within the last 180 days. All of the transactions took place well within the 180 day timeframe aside from ( {$50.00} ) that came out of my account at the end of XXXX. PayPal approved half of my claims of fraud totaling ( {$1000.00} ) and are continuing to hold me responsible for the additional ( {$860.00} ). I have been working with XXXX on this case and we have been continuously disputing the transactions while PayPal continues to deny the claims. They have advised that the same IP that accessed this account is the same IP address that completed the transactions. However, as I have continuously tried to explain to PayPal, I have not accessed this account in years. I was told by a PayPal representative when I first disputed these transactions that the email address on this account had been changed [ not by me ] and that the first transactions to be made on the account in XXXX and XXXX of XXXX were test transactions, she thought this because they were in the sequence of ( {$0.00} ), ( {$0.00} ), ( {$1.00} ), ( {$9.00} ), and then ( {$38.00} ). After that, the transactions only became larger. The email address used to make the transactions was XXXX and this is an email address I have never owned, created, and/or had access to. I am requesting a thorough investigation into this matter as PayPal has refused to resolve this matter in my favor.
Consumer complaint received 2024-10-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC (GA)

I currently have a pending lawsuit in XXXX XXXX XXXX XXXX against Fay Servicing and their counsel XXXX, XXXX, XXXX XXXX which has been in litigation since XX/XX/year> and it was in the higher XXXX XXXX XXXX. However, another lawsuit was filed on XX/XX/year> with case number XXXX. Well in XXXXXXXX XXXX, Fay Servicing proceeded with Foreclosure proceedings although it was still a pending XXXX XXXX XXXX  as well as the pending lawsuit. Fay Servicing foreclosed and sold it to the highest bidder and its still pending in XXXX XXXX XXXX XXXX and now there is a new case pending with XXXX XXXX with the buyer of the property at Foreclosure Sale.
Consumer complaint received 2024-10-08
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. (CA)

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

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

Hi, these companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Equifax and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

There are unfamiliar credit inquiries on my report which is really concerning. I didn't authorize or consented to these companies in accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (FL)

I extended credit to OneMain Financial on XX/XX/year> and they were supposed to return a service on credit but I was denied the amount of {$22000.00} and then offered the amount of {$5000.00}. Regardless of the reason for being denied, I have the right to credit. I wanted to contact the landing/Underwriting team stating that I conditionally accept your offer upon proof of claim that you have the right to Reject my Application via letter from the Federal Reserve Board and I need to see the factors that went into your decision based on law, public and private. I wanted to send a request of reconsideration. I asked how I can get in touch with the underwriter and was denied that information. 

XXXX XXXX XXXX ( g ) XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, denauld-justin : XXXX Attorney in fact for XXXX XXXX.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-07
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: AMERICAN EXPRESS COMPANY (TX)

There was a reservation originally made for XX/XX/XXXX to XX/XX/XXXX with this hotel called " XXXX '' located in XXXX, TX ( a remote small town in XXXX Texas ). Their website was not functional at the moment of reserving, so it booked from the dates of XX/XX/XXXX to the XXXX. I talked this out to one of their front desk agent whom was very polite about the situation and told me no issue they would refund me for the night of XX/XX/XXXX after they had sold the room. They have a " cancel before 72 hours '' policy however I did notify them about this issue well in advance. It is just now that they are trying to cover themselves with such policy. However they did not even announce the room in question and did not even make an attempt to " sell it '' even though the hotel is often booked. This is when I realized there was no intention of even refunding. 
When I filed my dispute with American Express, they even sent out some timestamps showing when I came in and came out last time of the hotel. It even shows I left on XX/XX/XXXX. 

I am being charged over a pity negligence, I wished American Express had helped me on this matter as the company kept sending random predatory calls from random XXXX surroundings numbers. It is just a dispute for one night, {$210.00}. American Express no longer wants to intervene as I lack " Signed documentation from the merchant promising a refund ''.
Consumer complaint received 2024-10-07
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: TD BANK US HOLDING COMPANY (AL)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

On Sunday, XX/XX/XXXX, I did my usual check up on my credit reports for XXXX, XXXX, and XXXX due to current ongoing identity theft under my name. I discovered a new collection on my XXXX report from the collection agency, LVNV Funding LLC. My XXXX report states that this fraudulent account was opened on XX/XX/XXXX in the amount of {$350.00}. This is not an account I opened and it has been opened fraudulently under my identity. I have been dealing with identity theft since XXXX and fraudulent accounts continue to be opened under my name until this day. I have filed a police report with my local Police Department about my identity theft and have been placed under the FBI database for being a victim of identity theft. In addition, I have credit freezes on all three of my credit reports in hopes that this identity thief could not open a more fraudulent accounts under my name. However, they still continue to open fraudulent accounts, which has left me confused and completely stressed out in how they are able to do so. I would like this collection to be removed from my name since it does not belong to me and I have been victimized again.
Consumer complaint received 2024-09-10
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: EQUIFAX, INC. (AR)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Revenue Corporation (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) to address the violation of my federally protected consumer rights by the following accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The aforementioned accounts, identified by Account name : # XXXX, have egregiously violated my rights as outlined in the FCRA : 15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 emphasizes that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states that no consumer reporting agency may include certain adverse items of information in a consumer report, particularly any other adverse item of information that antedates the report by more than seven years.

Additionally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that 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 violations not only compromise my privacy but also infringe upon the fundamental principles outlined in the FCRA. I request a thorough investigation into this matter and appropriate action to rectify these breaches. 

Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-05
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: NAVY FEDERAL CREDIT UNION (GA)

Request for Arbitration and Reinstatement of Navy Federal Credit Card Account I am writing to formally request XXXX and Navy Federal Credit Union for assistance in the arbitration process concerning my credit report and the reinsertion of a Navy Federal credit card account from my credit file.

Account Details : Credit Card Issuer : Navy Federal Credit Union Credit Card : Navy Federal XXXX XXXX Issue : The Navy Federal credit card account listed above was recently removed from my credit report by mistake. This removal has negatively impacted my credit score and overall credit profile. I believe this action was in error and does not comply with the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a credit report must be accurate and complete. 

Consumer Protection Law : Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any inaccuracies on my credit report. Additionally, Section 605B ( 15 U.S.C. 1681c-2 ) provides the right to request that the information be investigated and corrected if it is found to be inaccurate or incomplete. 

Request : I respectfully request that XXXX engage in an arbitration process with Navy Federal Credit Union to resolve this matter. The goal is to reinstate the credit card account on my credit report if it is determined that its removal was unjustified.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Despite several complaints, Experian continues to downgrade my credit scores without valid explanation. I'm currently the holder of several credit cards with over {$62000.00} in lines of credit extended to me. My current usage is approximately {$2900.00}, which is less than 5 % of the credit card lines available to me. However, Experian today, downgraded my credit score from XXXX to XXXX, claiming high credit card usage. I've tried to contact them for an explanation but was unable to do so. Additionally, It seems that they've manipulated their system, making it very difficult to file an online complaint. 

I need to know how my numbers are being calculated by Experian. I am baffled by this consistent pressure that they're applying to me. I am tired of their bullying.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am now requesting proof of previous investigation. I am asking you send your method of investigation along with all the records You spoke with, their Business address, name and phone number as well as document that proves this account ( XXXX ) was late. If you can not provide this information within 15 days, please update the account to pay never late and send me a copy of my updated report.