davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc (PA)

PayPal has been running a promotion of 5 % cash rewards for XXXX purposes. While most of my transactions have been in pending status, I launched inquiries into two that did not have pending statuses. One was resolved quickly, but the other has not. I have tried contacting their support ( XXXX ) several times to no avail. I sent emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also initiated chat sessions which ended up with recommendations to the email approach detailed above. 

The purchase in question place on XX/XX/year> in the amount of {$2600.00}. Per their rewards terms, I should have XXXX in rewards pending. At this stage, I need help.
Consumer complaint received 2024-10-25
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. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXXXXXX XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2023-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have carefully reviewed my credit report in ( BUREAU ). I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I've noticed that my credit score has taken a huge hit due to several fraudulent accounts being reported under my name. These accounts were opened without my knowledge or permission, and it's seriously affecting my financial standing. I've already filed a report with the FTC ( which is attached ), confirming that this is a case of identity theft.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Upon reviewing my credit reports XXXX, XXXX, Experian, XXXX and XXXX are showing a Bankruptcy that was reported fraudulently on my reports receiving a letter for the United States XXXX XXXXXXXX, clearly stating they do not provide any information to the credit bureaus, therefore reporting this is from a XXXX XXXX XXXXXXXX is fraudulent.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request a thorough investigation into an ongoing issue I am experiencing while applying for assistance, as a victim of XXXX XXXX. Each time I attempt to submit my application, I am repeatedly met with the same error, which states that I need to verify my identity. Despite following all necessary procedures, I have been unable to resolve this issue, and no one has been able to provide a clear explanation for why this is happening. 

I demand a proper investigation into why this repeated identity verification error is occurring, and I insist on receiving a clear resolution that ensures my identity is easily and accurately proven. As a victim of a natural disaster, I can not afford delays or errors in the processing of my application for assistance. 

Please address this matter with the urgency it requires, and provide me with a detailed response outlining the steps being taken to resolve this issue.
Consumer complaint received 2024-09-23
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. (TX)

I am writing to formally dispute the accuracy of certain information on my credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). This law grants consumers the right to dispute inaccurate information in their credit reports and requires credit reporting agencies to conduct a reasonable investigation. 

Due to the recent data breach at XXXX, I am particularly concerned about the accuracy of my credit report. Recently, XXXX announced that its systems had been breached, exposing the sensitive personal data of XXXX XXXX Americans. This breach included names, home addresses, phone numbers, dates of birth, Social Security numbers, and driver 's license numbers. Additionally, the credit card numbers of approximately XXXX consumers were compromised. Given the unprecedented scope and severity of this incident, it is crucial that my credit report reflects accurate information. 

I previously attempted to resolve this issue, but it remains unaddressed. I request that you investigate the following accounts listed on my credit report : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX I believe that this information may be inaccurate due to the data breach and request that it be deleted from my credit report if it can not be verified as accurate. Please provide me with a copy of your findings and any documentation regarding your investigation. 

As a consumer, I have the right to dispute any inaccurate or incomplete information on my credit report under the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to your response within the statutory 30-day period.
Consumer complaint received 2024-10-25
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. (GA)

I recently received a copy of my credit report and noticed several unauthorized inquiries reporting.

Here are a list of the unauthorized inquiries that are being shown on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-09-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Bank of America has blocked access to an XXXX XXXX Account by claiming the have issue with computer systems regarding debit cards. But they want me to pay out of pocket and request reimbursement, but that not acceptable. This money was for my health purposes and should be available to me the consumer who invested in their services and now I cant access the funds I deposited. They provided no time as to when the issue would be resolved. Also, all of my information was updated but they have information on my account that I did not provide such as old drivers license from another state. Something fraudulent is happening with my accounts.
Consumer complaint received 2024-10-25
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. (TX)

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX XXXX. 
Despite multiple requests for correction through letters dated XX/XX/XXXX  and XX/XX/, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. In my case, this requirement has not been upheld, as the inaccurate late payment reporting has persisted across multiple disputes. 
Additionally, under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments suggests a failure to comply with this requirement, contributing to the errors on my credit report. 
TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has harmed my creditworthiness and violated these provisions. 
Protection Against Non-Payment of Obligations Act ( PAANL ) Furthermore, under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are responsible for providing timely statements to prevent unfair penalties to consumers. The errors in late payment reporting on my account indicate that this obligation has not been met, resulting in undue damage to my credit score. 
Pattern of Non-Compliance The persistent late payment errors across XXXX, Experian, and XXXX demonstrate a pattern of inaccurate reporting, causing undue harm to my credit score despite my previous disputes. 
I formally request that the incorrect late payment notations be removed from my credit report immediately, and that the account status be corrected across all three credit bureaus. Failure to address these inaccuracies will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NJ)

CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Reported a debt collection for a third party, that I didnt know what was this debt all bout. They posted on my my credit report. I wanted it deleted. 
Stated it comes from Original Creditor Name : XXXXXXXX XXXX XXXX XXXX. I did not know about this company either. DId not receive any call or letter from them.
Consumer complaint received 2024-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (WA)

I am writing to dispute the inaccurate debt reported in my name. I visited XXXX XXXX XXXX in Kentucky on XX/XX/year> and applied for Financial Assistance after receiving bills from various providers. Although I was not qualified for Financial Assistance, I was approved for the XXXX XXXX XXXX, which fully covered all costs. Before this coverage was applied, XXXX XXXX XXXX sent my account to a debt collector. I clearly explained this situation to you at Wakefield and Associates. Additionally, I contacted XXXX XXXX XXXX, explained the matter in the same way, and sent a copy of my coverage letter via fax. They confirmed receipt of the fax and informed me that my balance was cleared. 

Despite this, I continue to receive calls and reports from Wakefield and Associates. I have proof of my coverage letter, and this debt claim is inaccurate. I believe this debt collection attempt is fraudulent. Also, they reported this false information to XXXX is not acting fair and accepting my dispute.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX XXXX XXXX XXXXXXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

The following Inquires did not get permission from me to run my credit, these agencies i have reached out to on a recording line and they have denied that they ran my credit, i have disputed these before over the years and asked for removal. According to fair credit reporting agency i can request proof of the exact description of how they found these accurate after informing them they are inaccurate. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
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. (NC)

I am writing to dispute a hard inquiry on my credit report XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry XXXX XXXX XXXX and XXXX XXXX XXXX removal. 
Please remove this inquiry.
Consumer complaint received 2024-10-22
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. (MD)

I have disputed inaccuracy over 5 times with experian, XXXX and XXXX, i have informed them that this debt collection is not my debt and to provide me with exact proof of a contract with my original signature, i do not have a contract with XXXX XXXX XXXX, they have violated my rights by spam calling me and sending me endless emails of a document with no signature, this document is just my name and a inaccurate debt owed, i informed them over 10 times that this is not my debt and to contact the original debtor for a signature on this debt that i agree and binded myself into this debt. they have yet to provide that. I informed experian and XXXX and XXXX and they are refusing to remove a debt that is not mines. The debtor keeps reporting interest on my credit which is also illegal because it is not my debt which is causing my credit to go down and putting me in a financial burden, i have also asked all 3 credit companies experian, XXXX and XXXX to provide me with proof and according to fair credit reporting agency i am allowed to request the exact description on how this proof was obtained and i have yet to receive either passing 30 days. This collection needs to be removed.
Consumer complaint received 2024-10-22
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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

Mohela sent me a message saying Ive been placed on forbearance based on my request. I made no such request. I waited THREE hours on hold to get in touch with someone, who was a new trainee who couldn't help me, so I waited for someone to get on the line. They told me my loans were placed in forbearance because of my Borrwers Defense ( BD ) application and that was the information provided by XXXX. My BD application preexisted my transfer to Mohela, I selected no on my BD application to being place in forbearance, I was NEVER on forbearance on XXXX and nor this entire time with Mohlea. They tell me I have to go the BD hotline and they can't remove the forbearance, despite the letter telling me I could call this number and opt out. 

It takes three more calls before I get someone who knows what they are doing and was asked if I wanted to opt out of forbearance. As of this date, I was placed BACK on forbearance again and it's been a nightmare trying to get off something I didn't even request. They keep telling me they are working on it, it'll be done soon, someone didn't put it in the system, etc. This seems deliberate in order to mess people up on payments or mess with their student loan forgiveness counts. Which have taken more than two months to process. Payments are starting in less than 5 days and I don't know when to pay, how to pay, or even if they will count for me. If this screws up my Public Loan Forgiveness, I will contact attorney This is causing me mental anguish.. Mohela is causing me unnecessary stress by giving false information and completely screwing up PSLF. I want to be taken off forebearance before payments restart. I want Mohela to do its job correctly. This is disgusting and scammy behavior by Mohela and Im sure this is happening to other people and causing needless stress and panic..
Consumer complaint received 2023-04-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC (WA)

We've contacted roundpoint mortgage for over a year about removing our PMI. We've sent them forms and emails multiple times via the postal service and email and the refuse to help us and keep giving us excuses about why they can't remove PMI because they haven't gotten the forms or emails.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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.