davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
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. (TX)

I am writing to express my profound frustration with the way my multiple attempts to rectify fraudulent items on my credit report have been handled. Despite my persistent efforts to have these fraudulent entries removed, they persist on my credit file, causing severe financial and personal distress. These fraudulent entries have had a profoundly negative impact on my credit score, making it difficult for me to access credit, obtain loans, and even secure employment opportunities. I have followed all the appropriate procedures for disputing these fraudulent items, including submitting supporting documentation and adhering to the regulations outlined in the Fair Credit Reporting Act. Despite my repeated efforts, the fraudulent items persist on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial well-being and overall quality of life. I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and prompt investigation into this matter to remove the fraudulent items from my credit report. I kindly request that you provide me with a written response detailing the results of your investigation and the actions taken to rectify my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. In addition to the removal of these fraudulent entries, I also request that the credit bureau furnish a written statement detailing measures taken to prevent such fraudulent items from reoccurring in the future. This is crucial to ensure the protection of my credit and to prevent others from experiencing similar hardships. I am fully willing to cooperate and provide any additional information or evidence required during the investigation process. Failure to address this matter in a satisfactory manner will leave me with no choice but to pursue legal action to remove these fraudulent items and seek damages for the financial harm inflicted upon me. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX  I XXXX Balance {$1000.00} XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX  XXXX XX/XX/2023.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

This is not a duplicate request nor filed by a 3rd Party Credit Repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c2 ) that you, EXPERIAN a consumer credit agency block information that is 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 a personal credit card accounted opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED opened XXXX XXXX XXXX Account Number : XXXX US DEPT ED opened XXXX XXXX XXXX Account Number : XXXX US DEPT ED opened XXXX XXXX XXXX Account Number : XXXX US DEPT ED opened XXXX XXXX XXXX Account Number : XXXX US DEPT ED opened XXXX XXXX XXXX Account Number : XXXX US DEPT ED XXXX XXXX XXXX Account Number : XXXX US DEPT ED XXXX XXXX XXXX Account Number : XXXX US DEPT ED XXXX XXXX XXXX XXXX Account Number : XXXX these accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aformentioned accounts, collections, and or hard inquiries as reported. The aforementioned accounts, collections, and or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 a result of identity theft and fraud.
Consumer complaint received 2020-01-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

Hi there, We have a business checking account with XXXX and just want to report a scam. We sent some funds to someone via Zelle and it turns out this person was not who they said they were : My boss saw an ad at XXXX for a golden retriever puppy in XX/XX/2019. She reached out to the " sellers '' to say she was interested in purchasing. Seller responded with some information on the puppy -- age, he has hip issues, amount for purchase. Seller said they were located in XXXX and could drive puppy down to XXXX XXXX that weekend but they would need a {$200.00} deposit. They requested she send via Zelle.  We sent the funds but started questioning information given by the seller. We did some online sleuthing and found that the XXXX address they said they live at does not exist. Seller said they made a mistake in the address and gave us a different street number. That address is a real location but now we're suspicious. Did some more sleuthing and found a XXXX account and XXXX page used by the same email address we sent Zelle funds to. This person 's XXXX page indicated that they currently live in Texas. XXXX confronted them via text about it and the guy eventually came clean that they are in Texas and there is no puppy. 

We filed complaint with XXXX. XXXX took our complaint but said there's nothing they can do to recover the funds since we authorized the transaction even if it was sent to a fraudulent person. We asked XXXX if they could contact the receiving bank to let them know one of their customers was pulling a scam and XXXX said they can't even contact the other bank about it. We tried to call Zelle as well and just got the robot customer service - can't reach a live person. We understand the money is gone but just want these people listed as frauds somewhere. XXXX couldn't even give us the name of the bank that the funds went to so we could call them ourselves. We'll try to make a police report now but not hopeful that will do anything either.
Consumer complaint received 2023-02-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (DE)

On XX/XX/XXXX, I opened a Citibank XXXX account online by transferring funds ( $ XXXX ) from my XXXX XXXX XXXX account. I opened this account due to a promotional mailer received from Citibank, offering a higher rate and a {$400.00} bonus for $ XXXX in new funds payable within 90 days from account funding. 

On XX/XX/XXXX, I decided to transfer another $ XXXX between the same accounts ( from my XXXX XXXX Savings to my Citibank XXXX account opened XX/XX/XXXX ) ; when I went online to verify the transfer the next day, I saw that the $ XXXX was debited from my XXXX XXXX account, but my Citibank XXXX account no longer appeared on their Online Banking, it was missing completely ; so instead of seeing what should have been $ XXXX balance plus accrued interest, my account was nowhere to be seen. 

I called Citibank XX/XX/XXXX AM and, after being transferred several times, I was finally told that my Savings account was closed for fraudulent activity, that I would receive a letter explaining why in 10-14 days and that my funds would be mailed to me by check in 30-60 days! No reason was given when I asked repeatedly, and my request to speak to a supervisor was denied and never subsequently honored. 

I asked about the {$400.00} promotional bonus due to me by XX/XX/XXXX ( 90 days from account opening ), and the lost interest for the next XXXX days. I also asked why this transfer was deemed fraudulent when it mirrored identical the transfer made in funding the account back on XX/XX/XXXX ; no answers were given. 

I am partially retired and heavily dependent on these funds and interest earnings for my and my wife 's retirement, and Citibank did not even have the decency of confirming that they possess my missing $ XXXX transfer from XXXX XXXX. I have asked XXXX XXXX to investigate this matter, but in the meantime my Citibank XXXX account is not viewable or accessible to me due to alleged fraud, which I believe they have done to deny me the {$400.00} bonus and interest earnings, and the XX/XX/XXXX deposit entailed the exact same accounts as the XX/XX/XXXX initial account funding. 

Help me please! I am missing {$120000.00} that Citibank will not even confirm that it has, insisting that I wait XXXX to receive my funds my mailed check when I did nothing wrong whatsoever. Thank you .....
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I purchased the vehicle when I had just started my job back in 2018, working part time. I was given an astronomical rate due to being miss informed and a young minority in a desperate situation. After a few years I lost my job and was unable to regularly maintain paying my car note. Especially after I had to replace the engine within the first few days of owning the car and replace the XXXX in the first year. I contacted the creditor and informed them of my situation and they were unconcerned to say the least everytime. I was threatened with late payment and repossession. At a point my vehicle was physically taken but never repossessed. I payed the owing balance. My car was also in a auto accident that still isnt settled. So I paid my car off my self. I've disputed the multiple lates the account created I am hoping to have the account totally removed from my credit history due to the misreporting of information.
Consumer complaint received 2024-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CO)

I am filing a complaint regarding ongoing unresolved issues with Venmo that have led to undue stress, restricted access to funds, and inadequate responses from their customer support team. 

Summary of Issues : Transaction Holds and Refunds : Venmo flagged certain transactions on my account as " goods and services, '' even though they were sent in error and subsequently refunded. Despite this, these transactions continue to show as " on-hold '' on my account. This has led to unnecessary requests for my tax identification information, which Venmo has repeatedly threatened to send to the IRS if I do not provide it. These threats persist, despite the fact that I have clarified these transactions were refunded and not intended as taxable goods or services payments. 

Inconsistent and Ineffective Customer Support : I have submitted multiple screenshots, emails, and follow-up messages explaining the error and requesting resolution. In each response, I am met with a generic response and troubleshooting steps that do not resolve the technical issue ( e.g., uninstalling and reinstalling the app, restarting the device ), all of which I have attempted to no avail. Venmo support continues to ignore or dismiss the specifics of my complaint, including the fact that these transactions were refunded and should not affect my account. 

Request for Transaction Records : I requested a XXXX file of my transaction history to review all account activity in detail. Venmo has failed to provide this file, despite my repeated requests. This has hampered my ability to verify and resolve the issue independently, as I lack the comprehensive transaction records that Venmo could easily provide in XXXX format. 

Impact of Issues : These unresolved technical and support issues have caused significant stress and inconvenience, restricting my access to funds and creating uncertainty around my financial records. 

I request that Venmo : Correct the technical issue displaying these refunded transactions as on hold in my account, which affects my app experience and causes further confusion. 
Cease unnecessary tax information requests and threats to report my information to the IRS for transactions that were refunded and not intended as goods and services payments. 
Provide a XXXX file of my complete transaction history so that I can review my account activities accurately. 
Thank you for your time and assistance. I hope to see a swift resolution to this matter.
Consumer complaint received 2024-10-30
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Triton Recovery Group (GA)

I own a XXXX XXXX XXXX  for the local XXXX  here in XXXX. 
I obtained a XXXX XXXX XXXX loan from XXXX XXXX XXXX for my company, XXXX XXXX XXXX XXXXXXXX XXXX XXXX over 2 years ago. I am a member of the XXXX. I was a Guarantor for this loan. I was not able to keep up with the daily drafts involved with this loan and I defaulted. Shortly after that, a collection company representing XXXX XXXX XXXX offered me a settlement to resolve the loan. A payment plan was agreed to. During the payment plan the original drafts started again, on-top of the new arrangement drafts. I was forced to close down for a short time and close my bank account because of multiple fraudulent payments presented against my account. I have since disputed this debt with XXXX XXXX XXXX. Now, over 2 years later, Triton recovery service has been emailing, calling, impersonating an attorney, threatening, harassing, and interfering with my business. They have contacted third parties, not on my application for a merchant, They have emailed and texted ( see attached ) my children, my brothers children, his ex-wife from 25 years ago, my employees, my sister-in-law, my XXXX XXXX  and others. After I replied to this person at Triton recovery that they are not allowed to contact these unaffiliated people ( see attached ), her response was she would continue to contact people on my application ( see attached ). None of these people are on my application, which indicates they have created a forged document. Yesterday their representative who had fraudulently represented herself as an attorney, called our office from multiple numbers, spamming it for over an hour to prevent us from doing any business. I answered the phone multiple times and told her she was interfering with my business and she had already called XXXX times. Her response was she doesnt care and shes called XXXX times, making a joke out of it. I answered the call and told her that we are an ambulance service and that she was preventing the hospital from being able to communicate with us. Her response was " pay your bills, I am not going to stop calling ''. I have repeatedly asked her to stop contacting me and my employees. 
I worry the emails and phone calls discussing my non-public private loan information to my employees has already caused, an uncomfortable work environment. Yesterday their representative called my office manager and asked her if I had a wife and for her contact information. Plus to knowingly shut my business down concerns me about what else these people may do. Below are some text messages and emails sent out to family members and employees that have nothing to do with my merchant cash advance loan. XXXX XXXX XXXX has all my personal information, including my Social, my driver 's license, my company tax ID number. They have even filed a Lien against my company so I don't see their contact of these third parties as anything other than harassment and intimidation.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Credit acceptance sent me a discharge of XXXX on XX/XX/year>. The paper work clearly says the security interest on the vehicle has been terminated making the vehicle mine. Then they went and garnished my wages in XXXX XXXX XXXX 
I can not get the garnishment stopped with out hiring a lawyer and I cant afford to do that at this time. 
Over 4 years ago they were told to come get the vehicle in question, but they never did. The vehicle has not even been registered in over 4 years because it will not pass NY State inspection. Purchase price was only {$6000.00} but went way up over {$13000.00} I have sent copies of the discharge of lien to several people hoping for help and nobody seems to care. 
It is Junk and not worth anything. The value is under {$2000.00}
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I am having a problem getting my XXXX XXXXXXXX XXXX XXXX XXXX and Chex Systems XXXX Report. I would like for XXXX XXXX, XXXX XXXX XXXX and Chex Systems to send me a complete copy of my consumer report via XXXX mail. Full Name : XXXX XXXX, DOB : XX/XX/XXXX, XXXX : XXXXXXXX XXXX  XXXX License Number is : XXXX, Issue Date : XX/XX/XXXX, Exp. Date : XX/XX/XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I am having a problem getting my annual credit and consumer report from XXXX XXXX, XXXX XXXX XXXX and Chex Systems. I want XXXX XXXXXXXX XXXX XXXX XXXXs and Chex Systems to send me a complete copy of my annual consumer report via XXXX mail. Full Name : XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX, Minnesota Drivers License Number is : XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Account name : COMMUNITY LOAN SERVICING I am writing to formally dispute the late payment ( s ) reported on my credit report for my account XXXX. According to my records, the following late payment ( s ) were reported for the months of XX/XX/year> and XX/XX/year>. 

I kindly request that you provide verification of these late payments, including any documentation that proves I was late during these months. If you are unable to provide this evidence, I ask that you either update the late payment status or remove the account from my credit report entirely. 

Please respond to this request within 30 days, as I am committed to ensuring the accuracy of my credit report. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-28
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: PENTAGON FEDERAL CREDIT UNION (FL)

The derogatory rating on my account has directly caused loan denials and increased interest rates on my existing credit accounts. This inaccurate rating must be deleted and blocked from reporting to all three consumer reporting agencies immediately, as required by law.
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

On XX/XX/XXXX Portfolio Recovery filed to revive an old debt of mine. The debt was charged off in XXXX, making this debt outside of the six-year statute of limitations in Ohio. I paid the settlement in XXXX. They are now suing for the amount that was charged off. 
They did not check the accuracy of my file before sending me anything. They used my maiden name that I have not used since XXXX. They used an address associated to me but one at which I have never live or received mail. The address they used was reported in XXXX. However, I have had two new addresses reported since XXXX, meaning they did not verify or seek out my most current information. Portfolio Recovery is also quoted in one of your orders saying " 90 % of our cases are default judgements. '' Since my information was never verified, they sent all documents to an incorrect address under an incorrect name. The result of this deceptive act was a default judgement in their favor. I have not tried to work this out with Portfolio as it has already gone to court without my knowledge. 
In an order filed by your agency on XX/XX/XXXX that stated they are restrained for seven years from collecting on any time-barred debt through litigation, arbitration or other legal collections. The seven years has not passed and therefore they are in direct violation of this order.