davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
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 follow up on my previous communication regarding the removal of fraudulent items from my accounts. This serves as the first follow-up attempt to address this urgent matter. 

As previously discussed, I have reported several fraudulent transactions on my accounts and have provided all necessary documentation to support the investigation and removal process. However, to date, I have not received confirmation of the removal of these unauthorized items or any updates on the progress made in resolving the issue. 

I kindly request that you provide me with a status update on the investigation into the fraudulent transactions and confirm when the unauthorized items will be removed from my accounts. Additionally, if there are any further steps required from my end to expedite the process, please do not hesitate to let me know. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXX : {$380.00} XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$810.00} XXXX XXXX Balance : {$6700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-10
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)

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with Experian, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 

Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-04-10
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. (RI)

I recently noticed that there were a few accounts om my credit report that were not opened by me and then learned that unfortunately i was the result of identity theft/ I field the necessary documents and sent them off to the credit bureaus with my identification attached. It has been over 2 months and they have not responded at all. I filed all of it over again but I also found out that they only have a few days to block the information in the case of identity theft and they didn't do any of what they were supposed to do. The accounts here are fraud. I need you to please help me!
Consumer complaint received 2023-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NV)

I have sent these people at Mr cooper a copy of the bank statement that I paid the mortgage in XX/XX/2023. They sent it back I re-sent the payment. I sent a copy of the bank statement from XXXX  XXXX XXXX and XXXX  XXXX XXXX sent them a copy of the statement they still do not recognize that I sent the payment in even with notification from the bank
Consumer complaint received 2024-05-01
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. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/year>, and I have not yet received a response. ''
Consumer complaint received 2023-07-31
Product: Credit card or prepaid 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: OPORTUN FINANCIAL CORPORATION (SC)

On XXXX XXXX there was a fraudulent charge on my account in the amount of {$180.00} from XXXX XXXX. I noticed the charge on my billing statement when I checked the account on XXXX XXXX and placed a call to the issuer immediately. I can assure you, I have NOT authorized this charge. The issuer is Oportun and the account that the fraudulent charge occurred on ends in XXXX According to customer service representatives, the card has been cancelled. However, it is currently XXXX XXXX  and this charge still has not been removed from the statement. Oportun refuses to supply any written form of documentation that I have notified them of fraudulent activity ; even though I have placed numerous calls to them and requested confirmation in writing. The only action they have taken is to issue me 2 new cards, which I refuse to activate until Im reassured I can trust them.
Consumer complaint received 2024-04-10
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. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. " ( XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of reporting services for the account regards to XXXX XXXX XXXX.
Consumer complaint received 2024-07-23
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Collection Management. Inc (GA)

I previously reached out to CONSUMER COLLECTION MANAGEMENT requesting comprehensive documentation of their legal or equitable right to a claim on my credit report. I see that CONSUMER COLLECTION MANAGEMENT has reported a collection account with a balance of {$4400.00} on behalf of another company. I am aware that the Fair Debt Collection Practices act defines a debt collector as only private people and not an agent on behalf of anyone. Due to this misrepresentation, CONSUMER COLLECTION MANANAGEMENT must remove all reporting of the account on my credit profile.
Consumer complaint received 2023-11-10
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. (MA)

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

I opened a Barclays credit card that charges an annual fee. I was most recently charged an annual fee on approximately XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX card membership year. 

On approximately XX/XX/year> Barclays unilaterally closed the credit card account. The annual fee was not refunded, despite the account was closed near the beginning of the membership year and I can no longer use any of the cardmember benefits for the majority of the year that the fee was paid for. 

I called Barclays on around XX/XX/year> to request a refund of the annual fee ; Barclays representative refused the request. On around XX/XX/year> I submitted a formal complaint to Barclays regarding the annual fee refund not being refunded ; I received a confirmation number and the representative promised Barclay will reply within 48-72 hours. I did not receive any such reply.

CFPB should investigate the prevalence of such overcharged and non-refunded annual fees paid by consumers when banks like Barclays unilaterally decided to close the credit card account that charges an annual fee for benefits.
Consumer complaint received 2024-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/year> I saw a post from a company called XXXXXXXX XXXX XXXX XXXX on XXXX on the XXXX XXXX XXXX XXXX. They were Hey Dude shoes that were custom made with XXXX XXXX logs and player numbers. I messaged the seller, and he stated the price of 2 pairs would be {$220.00}. I could send payment through apple pay or pay pal. I don't have XXXX so I said i would through PayPal. I tried to send payment through PayPal to his company, but it would not go through. Pay Pal stated at this time transaction can not be made. My son has apple pay so I stated I will try with his account. I Venmo my son {$220.00} and he tried through apple. The payment had gone through to seller at number XXXX. I then get a text from number XXXX that it was XXXX XXXX and the payment made to XXXX was refunded. Further information will be sent to XXXX on why it is refunded. And it gon na hit your account in the next 48 hours, sorry for the inconvenience. I didn't think anything of it because i thought it was being sent to me because my son 's phone is under my name. So I contacted the seller and stated what the text said. He walked me through on how to send the payment through PayPal. They way he told me to send it was as a personal payment. I didn't even know PayPal had that. The seller stated to send it to account named XXXX XXXX in the amount of {$220.00}. I sent the payment and never received the shoes. While on XXXX I saw the post for the shoes then noticed a few people say that they were scammed. I tried to contact the seller, but I was unable to send a message to the seller. They either had their account set to not receive messages or blocked me. I tried everything I could on my own. I contacted Pay Pal numerous times and the did not try and help me. I spoke with XXXX XXXX in XX/XX/year>, and she stated that she saw in her system that there were numerous complaints against the account for XXXX XXXX. PayPal also stated to contact my bank, XXXX XXXX XXXX XXXX XXXX, to do a chargeback. I contacted my Bank and Spoke with the Manager XXXX who stated that there was nothing they could do, they do not know what a chargeback is, and that it was PayPal 's problem. I have proof that other people have been scammed by this person. From XX/XX/year>, till now XXXX XXXX I have been fighting to get my money back. Both Apple Pay ( through my son 's account ), PayPal, and XXXX XXXX XXXX XXXX XXXX and basically said oh well and have not helped me. No matter which way I had paid this scammer I was scammed and unable to get my money back. Again, I have proof others were scammed. I would like help in getting my money back. I was scammed out of {$220.00} through XXXX XXXX and {$220.00} through PayPal. I am reaching out to see if I could help through your bureau. Thank you for your time and I look forward to hearing back from you.
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

Payments not processing/site not working. I paid on Friday, said my payment would process by the XXXX and it has not. I can't even log into the site to check things and the wait time for a call is XXXX minutes.
Consumer complaint received 2023-06-09
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. (TX)

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.

The letters are stated with items and issues.

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 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'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 XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

XXXX issued a XXXX rollover check ( No. XXXX drawn from a XXXX XXXX account ) dated XX/XX/2024, payable to XXXX XXXX in the amount of {$320000.00}. XXXX XXXX ( me ) was listed as " XXXX '' ( for the benefit of ) on the face of the check. The check was subsequently intercepted in the mail, and the XXXX was altered on the check. 

On XX/XX/XXXX, the following details were made available from XXXX XXXX, who presented an image of the cleared check, to XXXX : On XX/XX/2024, the check was presented for deposit at a Chase Bank, and the individual who altered the XXXX then forged the check. XXXX accepted the check, and the check was subsequently cleared through XXXX XXXX. I filed a fraud claim with XXXX on XX/XX/2024. I further provided an Affidavit of XXXX to XXXX, who submitted it to Chase Bank on or around XX/XX/2024. 

Chase is only communicating with XXXX and will not speak to me. 

On or around XX/XX/2024, Chase stated to XXXX that they will take XXXX or more days to review the case and come to a conclusion. 

Under applicable XXXX, only the Payee listed on the check can deposit it. The XXXX has no rights to deposit it. That means that the altered/forged XXXXO should never have been permitted to present the check for deposit. In this situation, Chase incorrectly allowed the altered XXXX on this check to receive the entirety of the funds from the check. It is very clear on the face of the check, that Chase messed up and should pay XXXX back, who will then in turn re-issue a check to me. 

Given the amount of the check, which represents my ENTIRE life savings, I am not only without any retirement savings but also losing any available earning while it remains un-invested plus will have to face whatever tax penalties to account for the fraud.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: KEYCORP (WA)

i opened an savings account with " Key Bank ' XXXXXXXX XXXX XXXXXXXX ' after reviewing statements, realized bank charged a {$20.00} 'off ' the account, i then went in an Closed the account, at which i was charged an additional " fee ' for a " check ' ( they did not have enough cash on hand! ) all Not my fault they do not have the cash/ or maybe they did but wanted a reason to make the additional " Fee ' charge on, some XXXX ' banking at the least, illegal bank practice i belive,
Consumer complaint received 2024-07-18
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TN)

This debt was on my credit report. Originally I disputed it because I hadn't received any information about past due amounts from the apartment complex or anything else. 
I now called them to see what was going on with this supposed debt. They say they have mailed me letters but won't tell me where they mailed them to, and I haven't received any information about this at all. I requested for them to verify the amount and to tell me what it was for, they read off some generic charges that didn't make any sense. They listed two damage charges, and keys. There were no damages, and the keys were all turned in. I have all my pictures from move out showing the condition of the apartment complex. There is no reason I should have any outstanding balance. I called the apartment complex directly, and they have no record of me owing either.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (AL)

I am the court appointed Power of Attorney and XXXXonservator/Guardian for my XXXX and her assets. On or about XX/XX/year>, I opened a high-yield savings account on my XXXX  's behalf. Approximately 2 weeks later, I deposited XXXX into a Marcus Goldman Sachs high-yield savings account. Approximately one month later, I was notified her account was temporarily locked until they receive the supporting documentation and approve this information. Documentation was sent by me and later was informed they never received the documentation. Therefore, I mailed another original copy of the Conservatorship. After doing so, XXXX never contacted me. Due to their negligence in contacting me, I had to contact them threXXXX months later in the month of XXXX. I was told it would require 3 weeks to approve ( eventhough they already had this information for over XXXXwo months ). I was never contacted ( 2nd time they failed to contact me ). I contacted XXXX and was told the documentation had been received. The customer service rep would not give me any information about the account nor any information as to the status of the review. I have subsequently called multiple times and also submitted a Power of Attorney sent certified mail and recieved confirmation of its receipt. They also claim they did not receive the Power of Attorney. The account continues to remain locked. This hardship created for my mother and myself has now been going on for a year without any resolution. Most recently my husband 's account with XXXX Goldman Sachs ( I am listed as a beneficiary on his account ) has been locked so now he can not access his account because my name appears as his beneficiary. I have been treated unjustly and to feel as if I am a criminal. If this situation is not corrected immediately, we will seek any and all legal means to resolve this case.