davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
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: Experian Information Solutions Inc. (NM)

On XXXX I sent Experian a number of letters, signed by me, requesting to see the source of the information that alleged I had a debt. I mentioned in these letters " As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, mortgage statement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted ''. I did attach each. 

On XX/XX/25 I received back a form letter from Experian claiming " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. '' The letter offered a website which had no option to verify identity, and a phone number which had no option to verify identity. No option was given to talk to a live human being. 

Experian appears to have figured out that by pretending that no request can be actually generated by the individual in question, they can avoid compliance with section 609 of the FCRA. Based on a brief web survey, strong evidence indicates this is a pattern and practice of fraud within Experian, and many other consumers who are U.S. citizens are similarly jerked around. 

I also have strong suspicions that the CFPB is in on " the game '' with Experian, whereby following this complaint, CFPB will receive an identical noncompliant letter from Experian and close the case as resolved, instead of doing your job. I fully expect in two weeks to obtain this result from the CFPB, indicating your bureau and the company it's tasked with policing are in cahoots. I will then take this matter to my congresswoman, who will then send a letter pretending to do something but then do nothing. I will then take this matter to a series of social media platforms to embarrass the congresswoman into doing something during election season. That's what it takes to get things done in America today, where everybody has a job waiting for them if they play ball and XXXX the little guy. 

If you're an honest conscientious public servant who believes in upholding the law, then thank you for disabusing me of my suspicions and restoring my faith, in part, in the U.S. Government. If you're going to pass the buck, you know what else you can go do.
Consumer complaint received 2021-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I got locked out of my own paypal account. They asked me to reset my password and when I try to do that, they tell me to verify my phone number which is my old number. I can't even change it. I don't understand why they can't just send me verification code to my email. Their system is quite flawed and no wonder people talk bad about paypal everywhere online. I guess it makes sense.
Consumer complaint received 2024-07-10
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CO)

In XXXX of XXXX, I took out a loan of {$7900.00} for the aforementioned installation. The loan agreement specified a XXXX XXXX period. To ensure timely payment, I diligently set up auto payments, confident that the entire loan amount would be paid off within the agreed period. 

However, to my dismay, I discovered that after only XXXX months, Citi Bank began charging me interest without prior notification. 

Upon contacting Home Depot, I was assured that the issue would be promptly addressed within a billing cycle or XXXX. Unfortunately, subsequent follow-ups revealed that neither Home Depot nor Citi Bank XXXX XXXX the error due to its belated discovery. 

As of XX/XX/XXXX, I have dutifully paid off the entire principal loan amount of {$7900.00}. However, an unjustified balance of {$1400.00} in accrued interest persists. 
Attached to this correspondence are the pertinent documents, including the original loan contract explicitly stating the XXXX XXXX  terms, as well as the credit card disclosure outlining the same terms. I trust that upon review, the discrepancy in my account balance will be readily apparent. 

I formally requested a thorough review of the aforementioned information and accompanying materials. It is my fervent appeal that Home Depot/Citi Bank XXXX XXXX steps to rectify this error by removing the unjustified accrued interest from my balance. 

Home Depot and Citi Bank have rejected every attempt to rectify the issue and have sent a final letter stating they will no longer communicate with me on the issue.
Consumer complaint received 2019-07-01
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: EQUIFAX, INC. (NC)

I have disputed this account with the credit bureaus to no avail. This account is no longer open, nor does XXXX hold this debt anymore. It was sold to a collection agency. However this account is being reported by both XXXX and the collection agency. This is dragging my credit score down significantly since 1 debt is being reported twice.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (FL)

Hello, My name is XXXX XXXX XXXX, Consumer, Cardholder, Maker, who currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is in XXXX XXXX XXXX XXXX I am writing this XXXX Early Warning Services , LLC, XXXX XXXX XXXX XXXX XXXXXXXX, or " XXXX XXXX ) '', XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. Early Warning Services , LLC is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial XXXX, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Early Warning Services , LLC Consumer Report file of XXXX XXXX XXXX XXXX Consumer. 

XXXX TRACKING NUMBER : XXXX
Consumer complaint received 2024-07-12
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Subject : Complaint Against Transworld Systems Inc for Violations of consumer rights Dear CFPB, I am writing to file a formal complaint against Transworld Systems Inc for multiple violations of my consumer rights as prescribed under federal law. I am revoking all rights of them communicating with me through email/text/calls. I am also requesting the purchase agreement between them and the original creditor. The collection agency has engaged in the following unlawful practices : Failure to Provide Validation Information : According to 12 CFR 1006.34 ( b ) ( XXXX ), the collection agency is required to provide specific validation information regarding the debt. Despite my request, they have failed to furnish this information but have still placed a collection on my consumer report. 

XXXX. Denial of Dispute Opportunity : As outlined in 12 CFR 1006.3 ( c ) ( 4 ) ( i ), I am entitled to an opportunity to dispute the debt before it is reported. The collection agency did not give me a chance to dispute the account prior to placing it on my consumer report. 

XXXX. Use of False and Misleading Practices : The collection agency has used false, misleading, and deceptive means to collect the alleged debt, which is clear violation of my consumer rights. 

XXXX. Unauthorized Reporting to Consumer Reporting Agencies : Under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( XXXX ) ( A ), the collection agency has no authority to furnish any account information to consumer reporting agencies without providing all necessary disclosures required by law. They have failed to do so, thereby violating these regulations. 

Theses actions by Transworld Systems Inc have caused significant distress and potential damage to my credit report and financial standing. I request the CFPB to investigate this matter thoroughly and take appropriate action against the collection agency for these violations. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC (AZ)

I am receiving repeated text messages from an entity called Shepherd Outsourcing about a debt that is not mine. I have received 1 text every week beginning on XX/XX/year> - to date, I have received 6 separate texts referring to this debt. The messages are addressed to " XXXX '' ( not my name ) and refer to a XXXX XXXX XXXX XXXX XXXX XXXX They also mention that the current creditor is XXXX XXXX XXXX XXXX. I have never had a XXXX XXXX XXXX account and this debt does not show up on my credit report, so I don't think it is a matter of identity theft but is rather a misdirected communication. I have not responded to any messages or followed any links included in the messages.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (FL)

Hello, My name is XXXX XXXX XXXX, Consumer, Cardholder, Maker, who currently reside at XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX which is in XXXX XXXX County . I am writing this complaint Early Warning Services , LLC, XXXX XXXX XXXX  XXXX, XXXX, or " XXXX XXXX ) '', XXXXXXXX XXXX XXXX XXXX XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. Early Warning Services , LLC is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Early Warning Services , LLC Consumer Report file of XXXX XXXX XXXX XXXX Consumer. 

USPS TRACKING NUMBER : XXXX
Consumer complaint received 2024-07-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount GR Holdings, LLC (CA)

I had a 0 % interest loan. 

I made the payment on Monday the XXXX of XXXX to pay in full. 

They informed me it was due the XXXX a Saturday. 

They say I owe them 12 months of interest now.
Consumer complaint received 2024-06-23
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. (NC)

I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the accounts. It was opened withtout my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX PD and CFPB. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due toHuman Trafficking debt bondage, which falls under trafficking according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like all listed accounts to be blocked and deleted company XXXX Transunion LLC, XXXX, XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FC HoldCo LLC (FL)

XXXX again it seems I am having issues with getting correct information on my credit from my paid car loan. 

The current information is at 60 days of not being updated. XXXX sites show 60 days with no updated current payment and another shows current payment amount but missing date. 

I have a credit card so I know XXXX XXXX does its job when reporting every month. Tired of haggling with Flagship on getting my credit current.

This is the second time this has happen and will look to take bigger measures to correct this.
Consumer complaint received 2023-10-25
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEDERAL XXXX XXXX XXXX XXXX FEDERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS IN THE COLLECTION ARE AFFECTING A LOT AND THEY ARE NOT MINE EITHER
Consumer complaint received 2018-04-24
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 — Was not notified of investigation status or results
Company: CITIBANK, N.A. (CA)

CBNA- They did a hard pull on XX/XX/2018. XXXX XXXX XXXX says 1. CBNA-CITICARDS CBNA Ibs Cdv Disputes XXXX XXXX, SD Affected by natural or declared disaster I have not idea what this is? as we did not open a new account with CITI or applied to a new card.
Consumer complaint received 2024-06-17
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. (NY)

This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-07-18
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. (OH)

I have numerous of soft and hard inquiries on my credit report that I havent requested myself. On or about XX/XX/2024 my phone was hacked and everything was compromised ; emails, phone number, banking info and files from my XXXX account that contained pictures of my personal information. I reported it and a fraud alert was issued to the credit bureau. But I still see that some were still able to access my credit file.
Consumer complaint received 2024-07-09
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

I moved in XXXX XXXX XXXX  XX/XX/XXXX and moved out XX/XX/XXXX. 
My security deposit transmittal is stating I moved out XX/XX/XXXX yet a charge for 2 months rent for insufficient notice- as if I broke the lease. 
No, I did not give a 60 day notice I wouldnt be signing the lease I was unaware being this was my first apartment. 
But there is no where on the lease stating I would be charged 2 months rent for not giving a notice. 
It shows that I would be charged XXXX for not giving a notice. 
By the time I noticed the extreme charge was incorrect it was already on collections and the company now cant do anything about it.
Consumer complaint received 2024-07-09
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)

Among other things, the servicer, Nelnet, will not allow for payments to be made towards the principal only, even though all regular payments are being made on time. 

Also, I was charged over {$25000.00} in interest during the time my daughter was in XXXX. This was disclosed to me last year ( 2023 ) when I consolidated all loans. 

The website is chronically unavailable ( down ). Due to this, I am not able to make additional payments. During the time the website is down, account is being charged interest. 

The Hold wait can, oftentimes, be up to XXXX hours. 

There has been no response to my complaints, neither from them nor the Department of Education. Nelnet refers me to the Department of Education and the Department of Education refers me to Nelnet. 

Nelnet operates more like a Financial Predator than a Financial Services Company.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

To whom it may concern I am making a formal complain due to the inconsistencies and the stress trying to manage our student loans has been.

1. I was one of the borrowers placed on administrative forbearance for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX due to account updates and billing date issues. At the time was very confusing due to the fact I am on track for XXXX. I received a formal notice about why this was taken place on XX/XX/XXXX. Prior it was multiple calls with different reps and trying to get information from social media. This has caused so much stress. Also, it is XX/XX/XXXX and the XXXX month is not being counted towards my XXXX, in fact is not appearing at all. ( please see attach document ). I have called multiple times, and was told it will update with IDR adjustment, in XX/XX/XXXX or by the end of the month. Extremely inconsistent and I am left to wonder what is going on and if I am ever going to be XXXX. Is my payment count ever going to be updated. 

XXXX. There needs to be a message regarding processing payments. Basically, I paid my XXXX bill on time XX/XX/XXXX. My payment was taken from my account and on XX/XX/XXXX. I received a pass due bill stating I owed XXXX and XXXX. This was extremely upsetting, I spent time calling my bank, XXXX minutes for a call from Mohela. The rep was extremely nice and explained he was not sure why but could be due to the processing time. I suggested for them to have a message on the site, explaining this. I almost had a XXXX XXXX thinking there was something wrong with my payment. Again, I am playing on a loan that should be forgiven, since I have been working in public service since for more than 10 years. ( see attach documentation ) XXXX. Lastly there has not been any updates since my loan was sent to review back in XX/XX/XXXX to the department of education. Every time I call they say no updates and to wait. There is no notice on when this is going to be taking place. Moreover, specific payment of XXXX  waiver for XX/XX/XXXX and XX/XX/XXXX are not being counted. A random forbearance for XX/XX/XXXX is also not being counted it. I spoke to a supervisor, and an XXXX  ombudsman and apparently I was told Mohela is refusing to count it, until the XXXX waiver. When is this going to be reviewed on my account. For XX/XX/XXXX and XX/XX/XXXX proof of payment was submitted and any deferment placed should not be there. I signed a waiver ( see attach documentation ). Please, this is time consuming and extremely detrimental for XXXX XXXX
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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