davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
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)

According to 15 USC 1681c-2 please block and remove all information resulting from Identity Theft. I have recently checked my credit report and have noticed some accounts that do not belong to me. Please block and remove all information resulting from Identity Theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

I applied for the save program on XX/XX/ 2023. 

The federal aid portal said that my servicer does not receive electronic applications and that I had to print and mail my application to them. I did and did not receive any information. 

On XX/XX/XXXX I called nd asked about the status of my application, they said that they received my application o n XX/XX/XXXX but that it will take at least 60 days to process the application but that have no way of telling me how long my application will take or where it is in the process. Meanwhile the loans are accruing interest. And they say that can't give me and information.
Consumer complaint received 2023-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zip Co US Inc. (MA)

I returned the items that i had gotten a ZipPay pay in 4 advance / loan with {$4.00} to pay back in every payment I believe. They started tacking on fees not owed after an item was returned to the store and are adding on more and more fees that arent valid. Predatory debt and loan collection.
Consumer complaint received 2024-10-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Sezzle Inc. (IL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Sezzle XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Form 1099-C Dear Sezzle, I hope this message finds you well. I am writing to formally request a copy of Form 1099-C for the account referenced below, which has been charged off. 
Account Information : Account Number : XXXX Account Holder Name : XXXX XXXX As you are aware, the IRS requires that Form 1099-C be issued for debts that have been canceled or discharged, and I would appreciate your assistance in providing this document for my records and tax purposes. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (TN)

I am submitting this complaint regarding an issue with a money transfer I initiated through Western Union. I made an international transfer today XX/XX/year> at XXXX XXXX. to send funds to a recipient in the XXXX XXXX. However, the transfer has been held in Western Unions Consumer Fraud and Protection department, despite my prompt verification of the transaction. 

Upon contacting Western Union, I was assured that once I verified my information, the funds would be released. Unfortunately, despite following the required verification process, my funds remain on hold, and I have not received any further clarity on why the transfer is still delayed. 

This situation has caused me significant inconvenience and goes against Western Unions Money in Minutes policy, which states that funds should be available almost immediately after a transaction. I am requesting assistance in getting my funds released and a formal explanation from Western Union about why this delay has occurred after I fulfilled all verification requirements.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-12-03
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. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I am writing to express my deep dissatisfaction with Experian 's customer service. On XX/XX/year>, around noon, I spoke with a representative named XXXX regarding an error on my credit report. XXXX was extremely rude, unhelpful, and refused to escalate my concern to a supervisor, insisting that I must wait 30 days for any resolution. 

As one of the largest credit reporting agencies, Experian has a responsibility to address the credit needs of American consumers in a timely and respectful manner. Your current process, especially the phone support, is incredibly complex and does not provide adequate solutions for urgent matters. 

It is unacceptable for errors on credit reports, which can have severe implications on people 's livelihoods, to go unaddressed for such extended periods. I urge Experian to establish a dedicated department to handle immediate concerns more efficiently and compassionately. 

If Experian can not meet the needs of American consumers promptly and ethically, I question its continued existence in this market. I hope to hear from Experian soon regarding this matter. If there is no response, I will escalate my complaint to my local representative and XXXX XXXX XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I entered into a legal agreement with XXXX, that the tradeline for my auto loan would be deleted from my credit profile with all XXXX credit bureaus ( Equifax, XXXX, and XXXX ). They initially deleted the tradeline and recently began reporting again. I am in the process of a major purchase and this has the potential to cost me a lot of money if it is not rectified immediately.
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. (DC)

I am writing to formally request the removal of negative accounts from my credit report due to my status as a victim of fraud. I have recently filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter. 

As a result of fraudulent activities, my credit report contains accounts that do not belong to me. These accounts are negatively impacting my credit score and overall financial well-being. I have taken the necessary steps to report the fraud, including filing a complaint with the FTC, which I can provide upon request. 

Under the Fair Credit Reporting Act, I believe I have the right to have these erroneous accounts investigated and removed. I kindly ask that you review my case and take the appropriate actions to delete these negative entries from my credit report. 

Please confirm receipt of this letter and let me know what steps will be taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response.
Consumer complaint received 2023-03-16
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: CREDIT ACCEPTANCE CORPORATION (OH)

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. 

Account name : XXXX XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name # XXXX XXXX XXXXXXXX XXXX XXXX Account name # XXXX XXXX XXXX Account name 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 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. (PA)

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 U.S.C. 1681. Section 602 of the FCRA affirms my right to privacy. Additionally, under 15 U.S.C. 1681e ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. Furthermore, according to 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Account Name : XXXX Account number : XXXX
Consumer complaint received 2024-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I have a Mortgage with Penny Mac Insurance Company. I pay for my Flood insurance through them. On my home page with them they have listed a flood policy with XXXX XXXX XXXX that is active until XX/XX/year>. My problem is the account number with XXXX XXXX is not correct. When I call XXXX they do not recognize my name or account number. When I continually call and send messages to Penny Mac they state that they are not allowed to send Me the declaration page with XXXX. I explained to them that XXXX does not recognize my account number listed next to their name on my Penny Mac home page. 
I have a lot of flood damage from XXXX XXXX. I need to file a claim however I cant get the correct information. Im also told to contact my agent who I have no information on that. This was paid at my closing on XX/XX/year> by a Title company in Florida. 
I would appreciate assistance with this. The check was cleared for payment of flood insurance.
Consumer complaint received 2023-10-05
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: Experian Information Solutions Inc. (NJ)

I submitted a letter to the Credit Bureaus to delete these unauthorized inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. (SC)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
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. (IL)

This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

AS Consumer by law Disputed Items below should be Deleted in my credit report Immediately!
Consumer complaint received 2024-10-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OK)

I have called to reach out about this affecting my credit report. They give me a phone number to another company and said they cant work with me. I call the other company they never answer. 

I dont even have this said telecommunication company. Ive had the same one for many years and Ive never worked with this agency before nor do they have any of my authorization of contact me or have any of my information, especially if they cant even help me when I call them over the phone. 


They need to remove this from my report immediately before i pursue other legal options.
Consumer complaint received 2024-10-17
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

For the past ( 2 ) months I have been trying to access and pay the bill on my Commetity Bank- Big Lots Charge Card. When I received the card I was prompted to create an account on the store app. I have used it successfully a few times,, however more times, especially when time was of the essence, unsuccessfully. 

The app which not only uses face ID and two factor verification to sign on, puts me through these paces, then spins round and round for age, failing to load. I have to close the app again and again because it repeats this process without ever loading. 

I usually begin to attempt paying my bill on the XXXX the days I usually get paid. My bill is not due till the XXXX and for two months I had to set reminders to keep trying the app to pay the bill up to the last minute, then having to scramble to call customer service to pay my bill over the phone. 

I have good credit. I pay all of my bills on time. When I have to call a creditor at work and wait so long to finally speak to someone to take a payment that I have already set up digitally we have some major issues. For the last ( 2 ) months I've missed the due date because I forget to call in, and then I make the payment at XXXX but it's already XXXX EST so my payment is late. I'm on the West Coast in the PST time zone. 

I live as busy a life as the next guy but Commetity Bank should offers it's clients a digital platform that can be counted on to work on a consistent basis. I should not be penalized because it takes so much effort to make a payment on an account that i have a digital app that suppose to support my payment attempts. I have never had this problem with any other apps or creditors.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group (FL)

The date of the opened date needs to show XXXX on my credit report and they are stating a start date in XXXX which is incorrect. They need to correct the date to XXXX which is when the below fraud started with this company that no one seems to put a stop to so they do not continue scamming people. My original story is below. 

I Started with freedom debt relief XXXX XXXX years ago in XXXX I enroll XXXX XXXX accounts in debt paying {$370.00} a month. I was recently offered A loan through consolidation plus which was misleading and confusing where they settled remaining XXXX accounts in debts and paid a total of {$11000.00} for my accounts. After they settled all my accounts and finalize my loan they are now asking for XXXX To be paid in 48 months at {$500.00} a month. So almost XXXX years later Im back at {$24000.00} in a loan debt for another XXXX years. I am in the process of an attorney and I am also reporting this to the state attorneys office in the meantime my credit score has been damaged all this time and it seems it will be a long time before I can recover because I have refused to pay this amount. I have done some research and I have found consolidation plus and FDR freedom debt relief Are indeed the same company and I have seen where they have also been sued for the same reason I need help to be able to move forward And stop these people from the continuous scam.
Consumer complaint received 2023-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (HI)

On XX/XX/, I used Venmo to transfer {$390.00} to my bank account. The bank account wasnt verified by me and Venmo transfers the money anyways, going against their rules, and supposedly went to XXXX to an account number that didnt exist at all. I didnt see the money and called Venmo XXXX For months, I communicated between Venmo and my XXXX credit union in XXXX, Hawaii and Venmo said that they transferred the money but my credit union XXXX never received any money at all because there is no such account number. Venmo refuses to tell me where my {$390.00} went and did not want to help me any further.