davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
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: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-13
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. (DE)

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 account # XXXX {$100000.00} has violated my rights. 


I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And According to 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 2020-06-13
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. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

n 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. Has Violated my rightsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 permission.. 

I XXXX XXXX XXXX XXXX XXXX living person, human being flesh in blood has not consented to XXXX, XXXX and Transunion in written, my consumer report needs to be kept confident and private. My rights have been violated. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

6801. Protection of nonpublic personal information 15 USC CHAPTER 94, SUBCHAPTER I : DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION 6801. Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

15 USC CHAPTER 94, SUBCHAPTER I : DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION 6801. Protection of nonpublic personal information 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out
Consumer complaint received 2020-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NM)

I had a Paypal Mastercard and paypal opened a cash card account that I did not want.

I came to find out the Paypal Mastercard was actually managed be XXXX and not Paypal.  The paypal cash card account was setup to withdraw money from my personnel bank account with XXXX XXXX, I did this thinking it was all one Paypal system. 
The charges I was putting on the XXXX card account kept going to the Cash card account and XXXX was withdrawing money directly from my XXXX XXXX checking account causing my checking account to go over drawn costing me overdraft charges. 
I closed the Mastercard On Monday XX/XX/XXXX since XXXX was putting all the charges on the cash card account. 
I dreXXXX money from another account and placed it in my XXXX XXXX account and sent a payment to the XXXX cash account so I could zero the amount due and close the cash card as well. The amount did transfer and I continue to get charges from Paypal. I have spent hours on the phone trying to communicate with them but can't get past the automated helper. I got on a chat line on Wednesday XX/XX/XXXX All they could do was give me an email to the accounting dept https ; //paypal.com/us/smarthelp/contatus? email=privacy. I sent an email requesting the account be closed immediately as it was destroying my bank account. 

The problem is Paypal withdrew {$3400.00} dollars from my bank account for a reoccurring {$15.00} donation to XXXX XXXX. They over charged me by {$3400.00}. 

Also note that this item is inactive in Paypals home site ( see attached )
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (SC)

My Account balance with Exeter Finance company has been paid off on XX/XX/year>. On All three credit bureaus ( XXXX, XXXX and XXXX ) is showing that I have a balance of XXXX and balance was updated on XX/XX/year>. I called Exeter Finance and they told me to call the credit bureaus and to correct the balance and Exeter finance provided me with my payoff statement. Issue has not been resolved yet. Proof of my payoff statement is attached.
Consumer complaint received 2024-10-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC (FL)

I checked my experian credit report and found a reported medical debt collection that I have never received any information about, where it was done or came from. My phone number is still the same. I have lived in the same address for almost 2 years. There is no way my health insurer would not pay a bill unless it was submitted late by the provider
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Park Hill Holdings (DC)

I want to initiate a dispute and investigate the following matters, if they can not be verified, please remove the following : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX Please remove the above addresses, collection, accounts and employment information.
Consumer complaint received 2022-08-17
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: EQUIFAX, INC. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payment reported was due to a clerical error on the part of XXXX XXXX. My payment was made on time, as confirmed by my bank records, but it was incorrectly recorded as late due to an internal processing delay by the creditor. I have verified with my bank that the payment was processed and cleared on the due date. 
Evidence Provided : Bank statement showing the payment made on the due date. 
Confirmation from XXXX XXXX acknowledging the error in processing the payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

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 has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

XX/XX/XXXX I opened a credit card with USAA with a promotional offer of no fees if balance transfer or cash advance into a USAA bank account. I did that and incurred a {$9.00} fee. on XX/XX/XXXX I contacted USAA customer service about the fee. I was told to repay the amount which I did and they removed the fee. I was then told that I had to use paper cash advance checks deposit via the mobile app to avoid the fee. The representative then mailed me the checks as I did not have them. On XX/XX/XXXX, I incurred a {$150.00} fee for using paper checks. I then contacted USAA via their chat service and requested a call. I was called back and told that the fee could not be waived. I requested a manager to call me and none did. I called back on XX/XX/XXXX, spoke to three different representatives that told me they would not reverse the fee despite acknowledging they told me that was how to avoid the fee. They then submitted ticket XXXX for investigation and temporarily reversed the fee only to recharge the fee on XX/XX/XXXX.
Consumer complaint received 2024-10-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (NV)

On XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX acct # XXXX sent info too my email stating the sold a vehicle attached to my name and are still reporting to 2nd party agencies after repossession the vehicle agencies like XXXX, the amount of XXXX but the document they sent states other-XXXX  . I also never received the 1099 form for the charge off there are inaccuracies within reporting.
Consumer complaint received 2024-09-13
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. (PA)

I am appealing for your support concerning the misleading account on my credit report. The issue has badly hurt my reputation, and I need your help. Your mismanagement of my credit report has deeply damaged my standing, and these wrong details must be removed immediately.
Consumer complaint received 2020-01-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Security Credit Services, LLC (GA)

Security Credit Services is trying to claim a debt for products I did not receive from XXXX XXXX  I set up my XXXX   account a few months before Christmas ; but I did not order anything at that moment. 

I relocated to a new home and I decided to order some Christmas items, before shipping it out. 
I called them to update my shipping address, but my billing address ( old address ) was the same on my credit cards. 

when the items were shipped, they gave me a XXXX tracking number. 
I didn't not know this, but they sent the items to the old address. 
once the tracking online said delivered, I didn't receive the packages. 
I called XXXX, they were no help and said to call the shipper. 
I called XXXX and That's when they told me they shipped it to the wrong address. 
I asked why, since I called to change it before I ordered anything. She didn't have an answer either. 

so I went by the old place ( someone else is living there ) and asked the new tenants if they saw or signed for my packages and they said they didn't have them. 

I set up a missing package case with XXXX and they performed an " investigation '', which was a waste of time. They came back with an internal review and stated they were not at fault and closed the case someone either stole the packages or the tenants at the old place had the merchandise I called XXXX back and told them everything that transpired and they said they'd be in touch. 

months went by and I noticed that SECURITY CREDIT SERVICES place a collections on my credit report. I HAVE NOT RECEIVED a dunning letter or anything. first it was the calls from disrespectful collectors but no letter in writing telling me they were gon na add anything to my credit report. 

According to the FDCPA Act, I have 30 days from the date of written notice to deny their claim, but I didn't get that opportunity. 

when I disputed with them directly in XXXX & XXXX, all they sent me was some papers without any type of signature or proof I owed this debt. 
I asked for : ( 1 ) Contact with my name on it. 
( 2 ). Full accounting of this account. 
( 3 ). Proof that you have the right to collect money from me.

( 4 ). Proof that you have the right to collect in my state.

( 5 ). Proof they own the debt They have not provided me anything.. Instead they are shopping around this debt with other collections companies. XXXX ( another collection company ) is calling me now, about a debt that Security Credit claims they already own. 
HOW CAN TWO COMPANIES CLAIM & COLLECT ON THE SAME DEBT? 

all of this sound like violations. 

I will be filling with the FTC, AG office, and the XXXX  next.
Consumer complaint received 2024-10-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (IL)

I am currently in escrow with a buyer for our home. We have a signed contract and will be closing the sale within the next month. Shellpoint must be ignoring this contract and notification of the sale because I keep getting notices from local buyers for cash offers from their notification that the mortgage company is causing problems. I would like to submit a formal notice and complaint that Shellpoint needs to back off and allow the legal sale to be completed and stop trying to move forward with an unjustified foreclosure when a signed contract has been submitted and escrow and closing will be completed by the end of XXXX.
Consumer complaint received 2024-09-13
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: Experian Information Solutions Inc. (FL)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

I have a Goldman Sachs Credit Card in MY NAME ONLY : My fianc and I are in an " XXXX XXXX plan '' I have been on the hook for what my fianc has been spending on XXXX even though I have NO COSIGNERS or authorized spenders on my apple card, she even uses face id to authorize purchases on her end ( XXXX {$5000.00} ) In my statements my purchases are clearly defined, probably nothing over XXXX $ My credit should not be impacted by a purchase made by any entity other than myself, my credit score was XXXX before, now it is sitting around XXXX .... 

I believe what Goldman Sachs and Apple did to my credit was highly unethical and I am considering litigation
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (SC)

Jefferson Capital System, contacted me on XXXX for a debt. Status XXXX. I requested Before I proceed with any further actions, I kindly request that you provide me with the necessary information to validate this debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The original creditor 's name and address.

2. The original account number associated with the debt.

3. A detailed breakdown of the amount claimed, including any interest, fees, or additional charges applied.

4. Copies of any agreements, contracts, or documents that demonstrate my obligation to pay this debt.

5. Proof that your agency is licensed to collect debts in [ your state ].

I also want to bring to your attention that I am aware of my rights under the FDCPA. I expect all communication related to this debt to be in compliance with the law. Any violations will be reported to the appropriate regulatory authorities.

Please note that until you provide the requested information and validate the debt, I consider it disputed. Therefore, I request that you cease any further collection activities, including reporting this debt to credit bureaus, until the validation process is complete. And they have not supplied the information and I do believe that if the information is no accurate and proper verification is not sufficient it needs to be removed immediately.