davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (AL)

I noticed that this company had placed an account on my XXXX credit report on XX/XX/2023. I am subscribed to XXXXXXXX XXXX Credit monitoring service, and I was notified that there was a new alert. This account was placed on my report on XX/XX/2023. This is the first time that I had heard of this company and was notified of this debt. I immediately called the number listed on my credit report and I spoke with XXXX. She says that they had sent out a letter to my permanent residence on XX/XX/XXXX, XXXX which was not true. Although I am living in another city while working, I am constantly monitoring my mail at my permanent residence, and I collect my mail one to two days out of the week when I return home. I never received this mail. 
I am working to improve my credit score after facing some difficulties due to the pandemic, If there was ANY type of communication sent to me regarding a bill, I would have responded. This company did not notify me. I sent them a letter stating that they did not notify me, as required by the Fair Debt Collection Practices Act and I asked them to delete this account from my report. I also disputed this account with XXXX, but Vance and Huffman continue to report this account. This is my last resort. If this account is not removed, then I will be forced to seek civil action. This one account dropped my credit score XXXX XXXX. I will not allow this company to affect my credit score to this point, while not following proper procedures as required by the Fair Debt Collection Practices Act.
Consumer complaint received 2023-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the account from my file. 
XXXX XXXX XXXX : {$26000.00}
Consumer complaint received 2023-05-19
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 (MD)

I open a paypal account and everything was ok, after a month i decide to try to use my paypal and them it was a limitation place on the account but when i decided to send my ID i received a email everything was good. 

i called paypal for made sure that my account was full access and after i talk to agent she decided to limited my account without any explanation. 
i told her why you put the limitation is there nothing on my account and she said there is a risk. i said that not any risk becouse i do not have any transaccion, that stupid. 

my account was place a limitation without any explanation with arbitrary desicion after i called! 

XXXX ID - XXXX XXXX XXXX
Consumer complaint received 2023-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX WI XXXX; XXXX XXXX XXXX XXXX XXXX, WI XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$88.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$9800.00} ; XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

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. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (ME)

I found a debt on my credit report that was placed in collections that I didn't recognize. I called the company after finding their phone number online and asked what the debt was for. Genesis Collections told me it was for an apartment or room rental somewhere in Texas, which I've never been to. He read off the email, home address, and phone number on file from the company XXXX XXXX XXXX that the debt was from and none of it was my information. They requested that I file an FTC report and have a notarized copy sent to them along with a police report and proof of identification and residence. I have just sent them the police report and proofs of residence and ID. The amount of debt is for {$280.00} and they said it definitely sounds like identity theft to them.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AR)

I am submitting this CFPB complaint requesting to the Credit reporting Agencies to remove or lift the Security Freeze from my Credit File. I ordered an updated copy of my Credit Report and I noticed the Security Freeze and Fraud Alert from my Credit File and I am now requesting that the Credit Bureaus remove the Customer statement from my Credit Report indicating the Fraud Alert and Security Freeze.
Consumer complaint received 2023-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

XX/XX/XXXX. 
I am writing to address a concerning matter regarding a recent letter packet I received from Select Portfolio Servicing Inc . The packet, dated XX/XX/XXXX, stated that I was approved for a loan modification. However, I want to clarify that I never applied for such a modification. 

XX/XX/XXXX. 
Immediately upon receiving the letter, I logged into the SPS website ( https : //www.spservicing.com/ ) to investigate further. To my surprise, I noticed that my auto monthly ACH payment setup by SPS did not pull mortgage payments from my XXXX XXXXXXXX XXXX account for the amounts of {$2100.00} for XX/XX/XXXX and {$2100.00} for XX/XX/XXXX. 

In an attempt to resolve this issue, I promptly contacted SPS via the provided phone number, XXXX. I spoke with representatives named XXXX, XXXX, and later with XXXX XXXX. Unfortunately, during my initial call, the conversation was abruptly terminated, and I had to call back to speak with XXXX. I specifically asked him why I received a loan modification package. 

According to XXXX, SPS sent me a " trial loan modification '' that was pre-approved. However, I want to emphasize that I never consented to such a trial modification. XXXX explained that there was no need for a signature and that my normal monthly ACH payment triggered an acceptance for the trial loan modification. Consequently, SPS stopped my XXXX and XXXX payments. 

During my discussion with XXXX, I expressed my deep concerns about this situation. I raised the question of whether this could be considered fraudulent, to which XXXX stated it was a " system error '' and should not have occurred. He confirmed that both XXXX and XXXX payments were not collected by SPS, with the next scheduled payment being in XXXX. I insisted on receiving a letter from SPS, clearly stating that your company takes responsibility for the error and confirming that my mortgage payments will not be considered in default. I informed XXXX that I would wait for this letter before making any further payments. Moreover, I sought reassurance that making the XXXX and XXXX payments now would not trigger another SPS modification. XXXX assured me that it would not. 

XX/XX/XXXX. 
Regrettably, as of today, XX/XX/XXXX, I have not received a satisfactory letter explaining the details as discussed with XXXX. Consequently, I have refrained from making the XXXX and XXXX payments.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

IDENTITY THEFT AND I DID NOT AUTHORIZE THE CREDIT INQUIRY FOR XXXX XXXX XX/XX/2022. 

I HAVE CONTACTED CHASE, AND THEY SENT A LETTER TO REMOVE HARD INQUIRY.
Consumer complaint received 2023-05-20
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: EQUIFAX, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

FDIC Referral - XXXX I have numerous examples over the last year where I was charged an Overdraft Fee on a Transaction, that, when the transaction was processed I still had a positive balance on my account according to my bank statements. I have highlighted statements from the bank that shows there was a positive balance but the fee was charged and when that fee was charged, there was, in some cases, a ripple effect that added additional fees. 

For example, on XX/XX/XXXX I paid a bill in the amount of {$280.00} which left me with {$14.00} dollars in my account. There were two other charges that occurred that day resulting in my account to be over drawn. Instead of only charging me the {$37.00} overdraft fee for the two transactions that were over ( which would have been a fee of {$74.00} ) I was charged a fee for all three transactions which ended up being a fee of {$110.00}. 

This scenario occurred in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and is about to happen again this month ( XX/XX/XXXX ). Cumulatively the fees in questions equate to over {$500.00} XXXX dollars that should not have been charged according to the bank statements that were sent which show the positive balances at the time of the transaction. 

I have provide all the statements from the bank that show the positive balances and the associated notices showing that they charged an overdraft fee for the same transaction. 

I have have this Account for well over 15 years and it has changed numerous hands going through at least 3 other banks. It wasn't until FNB took over in XX/XX/XXXX that there became an issue with how the overdraft fees were charged. I believe that there is a flaw in the formula that calculates these charges because otherwise I would have had the same issue with the other three banks that had handled my account. When I started researching this, I found TONS of posts from people that had the same thing happened to them. https : XXXX The Bank Statements that are generated and given to the Customer as a record of transactions for month, that should be the basis for fee assessments as that is the only record we have. If the Bank Statement says there was money in the account for the specific transactions, then there was money in the account and fees should not be charged.
Consumer complaint received 2023-05-20
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately 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
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I am disputing with Experian inaccurate information on the bankruptcy files. I am not disputing that the bankruptcy belongs to me or not. I am only disputing in accurate information and under the fair credit act law I want it removed.the name XXXX XXXX XXXX on the files never belonging to me or my wife.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid 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: Block, Inc. (HI)

My XXXX  Wireless Service Was Erroneously Cancelled For Fraud XX/XX/XXXX By XXXX Per The National Verifier I Was Told To Call By A XXXX Representative To Get The Details About My ID Being Flagged As Fraudulent. The Agents aT The XXXX XXXX XXXX FTC Told Me To Request My {$60.00} Refund For Service Paid On XX/XX/XXXX Which Was Cancelled Less Than 48Hours Before My Service Was Unjustifiably Disconnected For Fraud : Acct. # XXXX XXXX I.D . XXXX XXXX  XXXX XXXX  Has Also Made Contact w/1 OF Their Live Agents Very Difficult Once My Service Was Unfairly Cancelled After Paying {$60.00} For Unlimited Service. 

CashApp Has Refused To Give Me A Refund After 3+ Requests Since XX/XX/XXXX & Sent A Transaction Report XX/XX/XXXX Attached As Their Justification For Not Issuing My Refund.
Consumer complaint received 2022-09-17
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)

To Whom It May Concern, 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. 

Fraudulent Accounts : Account Name : XXXX  XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$4100.00} Account XXXX XXXX Fraudulent Accounts : Account Name : XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$1900.00} Account Number : XXXX XXXX Fraudulent Accounts : Account Name : XXXX XXXX XXXX XXXX  When Account Was Open : XX/XX/XXXX Amount : {$370.00} Account XXXX XXXX Fraudulent Accounts : Account Name : XXXX  When Account Was Open : XX/XX/XXXX Amount : {$800.00} Account Number : XXXX Fraudulent Accounts : Account Name : XXXX  When Account Was Open : XX/XX/XXXX Amount : {$390.00} Account XXXX Fraudulent Accounts : Account Name : XXXX  When Account Was Open : XX/XX/XXXX Amount : {$680.00} Account Number : XXXX Fraudulent Accounts : Account Name : XXXX  When Account Was Open : XX/XX/XXXX Amount : {$430.00} Account Number : XXXX Fraudulent Accounts : Account Name : XXXX  When Account Was Open : XX/XX/XXXX Amount : {$680.00} Account Number : XXXX
Consumer complaint received 2023-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

I tried to freeze my credit reports at all 3 providers. XXXX XXXX and XXXX, not a problem, signed up for free and froze. Experian I followed similar path. Had to provide credit card but was not clear I was being charged for anything ( i followed links for free credit freeze ). Received a {$24.00} charge. Tried to call or go online to dispute - not way to speak with anyone and no way to dispute. This was within 7 days of the charge. Automated phone system will not transfer you to person and keeps asking same questions in a loop. Tried to send messages through 'contact us " portal - kept getting error message and 'try again later '. 
I had to navigate site multiple times to find out how to cancel my membership but did it. No comment on refunding my initial charge - only that my cancellation takes place at the end of the month I paid. 
Very fraudulent and deceptive business practices. Also, as credit agency, I should have free control of my credit with them- they should not be charging me to freeze or unfreeze.
Consumer complaint received 2023-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

i got a little behind in bills and at the same time had to change bank accounts, so i had some returned payments and got behind a few months, but my usage and my constant payments prior even when payments were due should have counted for something, I have a XXXX  and a amex and they both kept my account open during my financial woes, this company kicked me while i was down. I sent a letter asking for re-opening and they have yet to respond to my request for reopening. because they gave me no response i have decied to stop paying but i have now set up a payment plan with them to pay XXXX bucks a month but if they could have promised to re-open my account i have paid all the past due and keep paying as scheduled but they failed to even respond to my request, nor did they give a good reason for closure.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC (TX)

Hello I have XXXX issues with this collect agency, the collection company never notified me that I owe this debt nor did they give me 30days opportunity to pay being i didnt know of this account and by law please respond with proof of a certificated document that I owe this debt or that I had the opportunity to dispute it, please delete this debt fro my credit immediately until I receive documents stating I owe this debt and profit that it is mines as well as time review