davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WY)

Recently I did an investigation on my experian credit report which caused XXXX  XXXX upon me and found unverifiable incomplete inconsistent and questionable items that your agency didn't make sure it was reporting 100percent correct.in accordance with the fair credit reporting act everything has to be 100percent accurate on my credit report and under 15u.s.c1681e ( b ) and 15usc1681i ( 5 ) these accounts are in violation of not reporting 100percent accurate and consistent information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are violating my federally protected rights.also I noticed 3 addresses on my personal information that I've never lived atvand don't receive mail too.please remove the following addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my personal information.the only address I want reporting is XXXX XXXX XXXX. XXXX XXXX, Wyoming XXXX
Consumer complaint received 2024-09-26
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. (NY)

I am writing to you as the holder of Mortgage account number XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XXXX XXXX 60 30 60 30 60 30 I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-02
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. (NC)

In accordance with the Fair Credit Reporting Act Experian, XXXX, AND XXXX have 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 an account without my written instructions.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Account number XXXX XXXX reflects the account is 30 days past due for XXXX. This is incorrect information. The account is not currently past due for XXXX because we are on day XXXX in XXXX. ACCORDING TO THE FAIR CREDIT REPORTING ACT once the account is 30 days late the creditor can report it to the credit bureaus. The XXXX payment is not 30 days late and is, therefore, being reported incorrectly. This account needs to be removed from my credit report! The monthly payment is only {$210.00} and the account shows a past due amount of {$420.00}. The information is incorrect. Below is how it is reflected in the credit report : Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Charge Card Status Open. {$420.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$420.00} Highest balance {$6000.00} Monthly payment {$210.00} Last payment date XX/XX/XXXX Payment summary ( see how the account is marked as past due 30 days for XXXX ) XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XX/XX/XXXX - XXXX - - XXXX - - XXXX - XXXX - In addition, XXXX XXXX XXXX continually reports their account incorrectly. I want this account removed from my report! It is reflecting the account past due for XXXX and the month of XXXX has not ended. In addition, they are reporting twice the amount of the monthly payment as past due. The monthly payment is {$840.00}. They are reporting incorrectly! 

The information is incorrect and I want it removed.
Consumer complaint received 2024-09-26
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. (AZ)

According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681 and 15 US Code 1666 B ), I have the right to dispute information that I believe to be inaccurate, incomplete, or unverifiable. I believe that this late payment entry is incorrect and should be investigated and removed from my credit report. 

The details of the dispute item are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date open XX/XX/22 Thank you.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WA)

My venmo account was locked over a month ago, they refused to respond or do anything to help me withdrawal my funds. I have reached out multiple times. There is XXXX $ in there that I need access to.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2023-02-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Anchor Financial, Inc. (VA)

In XXXX I transferred XXXX XXXX tokens from the XXXX XXXX  to ANCHORUSD. This app had a 5-star rating and good reviews. Also, this site was going to participate in the XXXXXXXX XXXX drop. I transferred my coins. I could check my balance for three years, and everything seemed normal. In XXXX of XXXX, we received our XXXXXXXX XXXX I had this app on three phones and could check my balance for three years. During this time, ANCHORUSD asked me to verify my identity, which is normal. Everything seemed normal. I then noticed that I could not access my account on one of my phones and opened a ticket with them to report the problem. 

ANCHORUSD accused me of laundering money and asked me to remove all my tokens from their siteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Consulates worldwide. I currently live in XXXX XXXX, XXXX XXXX, but my home of record is XXXXXXXX XXXX. I verified my identity with them, and they were satisfied. However, I still was unable to log in to my account from one of my phones and reported this. I then started to read reviews about them online, and many others can not remove their funds from this site. I decided to move my tokens back to XXXX. I am being blocked by ANCHORUSD from doing this. I have tried for several weeks to move my coins and can not. I am repeatedly told by ANCHORUSD that they are working on the issue. 

After reading posts on ANCHORUSD, I believe them to be a scam. I want to report this so that if there is any recovery from them, I may be able to recover my coins. 

Yes, I feel stupid. Their app is still listed in XXXX and has over 4 stars. I have lots of emails. More than what I seem to be able to upload to your site. Also, there are numerous complaints about this site on the Internet. 

Thanks, XXXX XXXX
Consumer complaint received 2024-10-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (TX)

After reviewing my credit report, I noticed that I have several inaccurate accounts listed on my credit report. The company Transworld systems is showing up as a collection company that I have never had a account with. the amount they are saying that i owe is {$330.00} This account is listed on XXXX, XXXX and XXXX. I would like to have this inaccurate information removed from my credit reports. The date that is showing is XX/XX/year> for transunion XXXX and experian.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

Experian : XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-09-26
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. (NC)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

On XX/XX/year>, I mailed a letter to XXXX, Equifax, and XXXX requesting them to remove inaccurate information from my credit report. They did not respond, so an additional letter was mailed out on XX/XX/year>, to XXXX, Equifax, and XXXX requesting that the debt be validated and to send me a copy of all original contracts validating the debt. All but one responded ; however, they did not validate the debt, and the inaccurate information remains on my credit file. XXXX and Equifax responded
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I requested for a proper investigation to be completed for the accounts that were disputed almost every 35 days for over the last 14 months. Either a stall letter was sent, or it was noted that the account was not in dispute status after I disputed it several times. I know the accounts are questionable and the accounts are hindering me from obtaining credit.
Consumer complaint received 2024-10-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC (TX)

The creditor open up a collection on XX/XX/2024 with a balance of XXXX I have never heard of this company before I never opened up an account with them so I dont recall having a debt with their company and the original creditor I still dont recall having any debt with this company i have no knowledge of it so could they send me more information about the debt they saying that I owe I need you to validate the debt and I need them to verify that they have permission to collect on the debt and I will need them to send me the original application with my name and signature on it and I will also need the payment history on because I will need to see the total balance and how they got the total balance and I will also need them send me this information to the address they have on file for me.
Consumer complaint received 2024-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Dear Sir/Madam at CFPB, I would like to file a complaint against PayPal, which has accused me of violating their financial policies, even though I am simply a seller of virtual goods from games and cryptocurrency. Due to this accusation, PayPal has confiscated my funds from two separate email accounts. The amounts taken were {$1200.00} from the email address XXXX and {$1200.00} from XXXX. I humbly request that you, in your esteemed authority, help provide justice for me and my family, so that PayPal will return my total amount of {$2400.00} to my XXXX  account with the email address XXXX. I am deeply grateful for your assistance. 

Thank you very much. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-28
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. (AZ)

This is the several times I've complained about being a victim of identity theft. You must remove any items that was 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 information relating to any transaction by the consumer.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX Balance : {$24000.00}, XXXX XXXX Balance : {$0.00},
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC. (VA)

I opened a checking account on XX/XX/year>. The bonus " XXXX '' terms were that I would receive {$100.00} for every month in which I had an employer 's {$1500.00} direct deposit to the account, for up to 5 months. I completed these requirements for XXXX, XXXX, XXXX, but have not received any bonuses. The bank claims that the bonus was never applied, however, I entered the code on the application.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/year>, I mailed a letter to XXXX, XXXX, and Transunion requesting them to remove inaccurate information from my credit report. They did not respond, so an additional letter was mailed out on XX/XX/year>, to XXXX, XXXX, and TransUnion requesting that the debt be validated and to send me a copy of all original contracts validating the debt. All but one responded ; however, they did not validate the debt, and the inaccurate information remains on my credit file. XXXX and XXXX responded
Consumer complaint received 2024-10-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (FL)

In XXXX, at XXXX XXXX XXXX, I was manipulated into accepting a predatory auto loan from Westlake Financial. The terms of the loan were abusive from the start, with an extortionate XXXX XXXX interest rate. I was coerced into this loan with minimal transparency about the long-term financial harm it would cause. This loan should never have been approved for someone in my financial position at the time. 

Over the course of this loan, I have paid Westlake Financial over {$12000.00}, yet they still repossessed my car and are now demanding an additional {$1500.00} to retrieve it. The car is in poor condition, damaged, and not even worth the amount they are asking for. They are holding the vehicle ransom with absurd charges that far exceed its value, all while exploiting consumers like me with their unethical loan practices. 

Westlake Financial is notorious for taking advantage of vulnerable individuals with predatory interest rates and loan terms designed to trap people in debt. I believe this company is engaging in unethical and potentially illegal lending practices. Their business model seems focused on extracting every possible dollar from customers, regardless of the customers ability to pay or the vehicles actual worth. 

This situation has caused extreme financial XXXX, and I can no longer afford to be held hostage by their outrageous demands. I am filing this complaint in hopes of preventing further exploitation of others and seeking immediate relief from this debt. I request a full investigation into Westlake Financials lending practices and demand that this predatory behavior be stopped. 
[ Payments made as followed ] XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$600.00} XX/XX/XXXX : {$270.00} XX/XX/XXXX : {$250.00} XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$200.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$400.00} XX/XX/XXXX : {$140.00} XX/XX/XXXX : {$400.00} XX/XX/XXXX : {$750.00} XX/XX/XXXX : {$260.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$560.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$310.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$280.00}