davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OK)

XXXX XXXX I ordered a speaker from XXXX using paypal pay in 4 service. 

The delivery had some issues, slow downs etc. 

All of the sudden I got a message saying it was delivered I believe XX/XX/XXXX. 
When I got home, there was no package. 

I checked my ring doorbell and it never shows a package being delivered. The porch that XXXX showed it was delivered to does not match my back porch where they said it was delivered. I've sent the video proof and pictures asking for assistance and I am being shut down left and right. 

XXXX says it was delivered, which somehow makes all my information and pictures and video I provide somehow Invalid. {$510.00} is a lot of money! 

It's been over a month, after XXXX wouldn't help me I reached out to paypal around the XXXX of XXXX. Please help! 

I have ring doorbell footage showing nothing was delivered. It is too large to upload though. I can email it if need be! 

1st picture shows where they delivered the package, comparing it to picture 2 you can see that my door should be shown on the left of their picture and my porch is not that big! They stated it was delivered to my back door. 

They are stonewalling me at this point refusing to assist.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The company reported my balance to my account incorrectly which drastically increased my utilization on my credit report. If you look you will see that prior to this reporting my account balance has always reported low balance and utilization.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I disagree with the account listed below which still appears on my credit report, even after your investigation, I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( Account name : XXXX XXXX XXXX, account number : XXXX ). In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up, please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I checked my credit report and found a 30 day late on my Chase credit card. I called Chase and they stated the information was correct without clear explanation. I asked for proof and I sent proof of payment being NOT late. I received no repose or call back. I continued to check my credit and saw that they were still reporting the 30 day late. I disputed through XXXX and Chase never responded with proof of late ( they just said information is correct ). I am asking for Chase to provide me proof in writing of my ( proposed ) late ; otherwise ... without the proof, the information is incorrect and needs to be adjusted accordingly to report correctly on my credit report.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MD)

My wife opened an Amex Platinum card account in XXXX, and I immediately became an authorized user on the account ( at the time of account creation ). We have been married since XXXX of XXXX, and I have been serving active duty in the XXXX XXXX since XXXX ; I reviewed Amex 's plolicy regarding MLA benefits, and they stated that they would wave the annual fee for all account holders who qualify for MLA benefits, but we have been charged every fee ( for both me and my wife ) since we opened the account. We have tried going through the customer assistance line 3 or 4 times at this point, and keep getting the same answer - after receiving your confirmed MLA benefits ( which we verified through the MLA website ), they will see about refunding the annual fees they have charged and removing future charges from our account, and that they will get back to us in 30-60 bueiness days. It has been 3 years we've been fighting this, and we still keep getting charged, and their customer service has been completely useless to say the very least. We were just charged the annual fee again, so we've paid 3 times total for both me and my wife ( we each have a separate annual fee for our Amex Platinum cards, and she has a separate Amex Marriot Bonvoy that promises the same thing, but hasn't delivered ). We're about to pursue legal action if Amex doesn not figure this out, but I was advised to send a request through this bureau first to see if a solution could be reached.
Consumer complaint received 2023-08-24
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. (MI)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2, its also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

My credit score dropped, only with Experian. 
I had some delinquency on a credit card with XXXX XXXX from XXXX and student loan with Dept of Ed back XXXX XXXX. At that time, both accounts were reporting on my credit and I was penalized for the late payments. Essentially, my credit score dropped.

Since then, there has been no delinquency on those accounts.

They have been on my credit report since they were created. 

Luckily, I have a credit report for XXXX showing those accounts and the deliquency in the correct time period ( s ). This will be helpful with the problem I am having.

My credit score dropped earlier this month. I disputed the negative reporting. I spoke with the creditors and they mentioned they did not report any negative information.

Next, I disputed the new information since it was already reported on my credit. Experian came back saying everything is accurate.

When I called in, I was sent around in a transfer between representatives, saying the next person could help me.

I finally got to a manager. The manager said the accounts were not reporting on my credit before, and they are now which is why my credit score dropped.

I have proof that the accounts were showing on my credit report since I opened them.

It doesnt make sense that I am being penalized twice for the same thing.

They provided false information stating it wasn't on my credit and then finally reported this month. 

Please help. They wont take ownership or address the issue. I am being provided false information on my credit history. They have an issue on their side and I need help getting a resolution.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (OK)

So Ive been having this late payment reported on my credit for almost a year and I want to get it removed because it's saying on all the credit bureaus that it is a 30 day late payment when it was 4 days I was late That late payment was on XX/XX/22 and paid on XX/XX/22 the original balance was {$1800.00} but there was a late fee of {$41.00} which brought the total to {$1800.00} And my credit card company is discover and they cant do anything on the part is what I was told.
Consumer complaint received 2024-07-31
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. (NJ)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 XXXX for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-16
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-05-16
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX 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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

XXXX
Consumer complaint received 2023-11-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (CA)

In XX/XX/XXXX, Ally Bank blocked my access to XXXX through their website and app. When attempting to access XXXX on Ally 's website, the message " There is a problem with the information in your profile. Please call us to resolve '' is displayed. 

I have made numerous attempts to resolve this issue with Ally in the last six weeks, and I have not made any progress. Unfortunately, this issue impacts me at Ally Bank and all financial institutions because Ally has the XXXX " tokens '' associated with my mobile phone number and primary email address, which means other banks can not use them. I have confirmed this directly with the XXXX company, who explained that only Ally Bank can release these tokens. The inability to use XXXX is impacting my financial life as it is the way many of my friends and colleagues reimburse each other for various activities. 

The reference number that Ally Bank has given me for this issue is XXXX. In six weeks, Ally has made no progress in resolving this issue. Some customer service agents at Ally told me it is a " back-end systems issue. '' I have not been told that I did anything wrong or that any identity theft or fraud is suspected. 

Here is a partial list of the phone calls with Ally to resolve this issue ( all times XXXX ) XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes
Consumer complaint received 2023-09-15
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)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I am writing to bring to your attention multiple inaccuracies and fraudulent activities on my credit report, which have severely impacted my financial well-being and livelihood. I have already contacted the credit bureaus involved but have not received satisfactory resolution. Therefore, I am seeking the intervention of the CFPB to ensure that these errors are corrected as per the Fair Credit Reporting Act ( FCRA ). 

Fraudulent and Inaccurate Accounts : There are accounts listed on my credit report that I did not open or authorize. These accounts are fraudulent and need to be removed immediately. 

Late Payments : My credit report shows late payments that are incorrect. These inaccuracies are affecting my credit score and my ability to secure loans or other lines of credit. 

Incorrect Addresses : The report lists addresses where I have never resided. This incorrect information needs to be updated to reflect my actual residential history. 

Collections Account : There is an account listed as being in collections that I dispute. This account is illegally showing on my credit report and must be removed. 

These errors have had a tangible impact on my life. Specifically, I was unable to secure a performance bond for a project due to the inaccurate information on my credit report. This has resulted in a loss of {$30000.00} and has jeopardized my professional reputation.
Consumer complaint received 2023-08-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am not liable for this debt with XXXX XXXX XXXX XXXX  for {$980.00}, I do not have a contract with the collection agency, they did not provide me with original contract as I requested. Ive recently in the month of XXXX ask for debt validation from the debt collector and they refused to provide it. According to Law violation 15 U.S.C 1681G, I asked if they could validate this information and they refused. I ask to validate the information below : Please provide me with the original purchase agreement here.

A breakdown showing proof that Im liable for this debt with my name/signature showing Im going to pay {$980.00}.

A contract between you and the original creditor.
Consumer complaint received 2023-08-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

My XXXX  account number XXXX XXXX XXXX XXXX a late payment was reported for XX/XX/2023. This is incorrect. My account was not late and was current. My payments was misapplied by the merchant. I spoke to a XXXX representative on XX/XX/2023 regarding my account was told payments were current and that due to a return check was misapplied after I repaid. I was then told my payment but in time but the system in error reported a late payment. However, a late payment was reported on my credit reports, XXXX, XXXX and Equifax for XX/XX/2023. The account is and was not 30 days past due. Reviewing of the payment history is impossible to indicate my account is 30 days late. I called XXXX and was told by one customer service representative that this error will be corrected and they will report to credit bureaus my account is in good standing. However, I was told my another XXXX representative it was nothing they could do and I needed to call the needed to call the credit reporting bureaus. XXXX, XXXX and Equifax and I was told to contact the merchant directly, in which I had already done and was results from XXXX, XXXX and Equifax was that the merchant XXXX will not update to good standing and no late payment.
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (CT)

Hello On XX/XX/year>, I called Wells Fargo customer service number XXXX XXXX XXXX around XXXX XXXX. I asked if they could cash out my check that my insurance company send me but I dont have an account with Wells Fargo XXXX The customer service said they can cash out ; She said I only need to bring my Government ID with the check. 

So on XX/XX/year> around XXXX and XXXX XXXX, I went at Wells Fargo XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX to cash out the check. 

At the branch, I gave the clerk the check. She asked me if I have a bank account with them, I said I dont have. She then said that they couldnt not cash out the check. So I explained to her that I called the customer service and they told me that they would help me cash out the check and I needed my Government ID. So the clerk took the check with my driver license. She opened her system on the computer and scanned the check. She entered my ID information and I entered my SSN. 

After few minutes, the clerk called her coworker and showed her something then I heard You are not allowed to cash out this check. That is what she read to her coworker. And did not understand the rest. 
They both clerks turned over me said that I dont have an account with them that they couldnt cash out my check. So I asked if there was someone else who I could talk with about this situation to understand what going on. She said to sit. 

That is when XXXX XXXX came after working with one of their clients. I explained to her the situation and took the check and looked. She said that they cant cash out the check because the check is not from Well Fargo Bank so how are they going to verify the check. Its impossible for them to verify the check since its not a Wells Fargo Bank check. So I asked XXXX XXXX for her card and she gave it me and she said that she is the person who is running the branch. 

Check amount {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me this check to fix my car and do my daily work. 

I am asking why they did not cash out my check when the customer service representative said that they could help me without an account? 

Why I didnt get any receipt from Wells Fargo for my records explained the reason they didnt cash out the check? 

The check is to repair my car damages so that I could drive to pay my bills. 

I have attached the check and the XXXX XXXX.
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (LA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-16
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)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.