davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-19
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. (AL)

Dear Sir/Madam, I am writing to dispute certain information that has been reported to my credit profile without my written consent. As per the provisions of consumer protection laws, I request that you investigate and rectify this matter promptly. 

Upon reviewing my credit report, I discovered, ( XXXX XXXX XXXX address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ) account number XXXX ( balance of {$570.00}. This information was reported without my authorization or consent, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, creditors are required to obtain written consent from consumers before reporting any information to credit bureaus. As I have not provided such consent for the aforementioned accounts, the reporting is inaccurate and should be removed immediately. 
I kindly request that you conduct a thorough investigation into this matter Furthermore, I assert my rights under the Fair Credit Reporting Act to have accurate and fair credit reporting. If the inaccurate information is not corrected within the required timeframe, I reserve the right to pursue legal remedies available under the FCRA. 

Please acknowledge receipt of this dispute letter within 10 days and inform me of the steps being taken to investigate and resolve this issue. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-21
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 request the removal of an account from my report that does not belong to me. I am a victim of identity theft, and this account was fraudulently opened in my name.

Please investigate this matter and remove the incorrect account from my report to restore its accuracy.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

Subject : Request for Removal of Negative Accounts Due to Identity Theft TO WHOM IT MAY CONCERN, I hope this message finds you well. I am writing to you regarding several negative accounts on my credit report that have resulted from identity theft. I am invoking several provisions under the Fair Credit Reporting Act ( FCRA ) to request the immediate removal of these fraudulent accounts from my credit report.

Under 15 U.S. Code 1681c-2, consumers are entitled to request the removal of fraudulent accounts resulting from identity theft. Additionally, 15 U.S. Code 1692c protects consumers from unfair debt collection practices, which includes the reporting of fraudulent debts. Furthermore, 15 USC 1681 e ( b ) mandates the accuracy of credit reports, and 15 USC 1681 i ( 5 ) stipulates the treatment of inaccurate or unverifiable information, which includes information resulting from identity theft. Moreover, 15 USC 1681 i ( 7 ) outlines the method of verification, which should be employed in cases of disputed information.

Due to the significant increase in fraudulent activities, I am only able to communicate via email or in-person office visits. I appreciate your understanding in this matter.

I have reported this identity theft incident to the Federal Trade Commission ( FTC ) and have been assigned the reference number XXXX. I kindly request that you initiate the process to investigate and remove the following fraudulent accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX BANXXXX XXXX XXXX XXXXXXXX XXXX DEPT OF ED 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 I understand that you may require additional documentation to support my claim. Please inform me of any such requirements, and I will promptly provide the necessary information. 

I trust that you will handle this matter with urgency and in accordance with the FCRA. I look forward to your prompt response and the resolution of this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX Acct # : XXXX Balance : {$6600.00} I have filed complaints with FTC, Credit Bureau and Creditor and this information is still reporting on my credit file. According to Section 605B of the Fair Credit Reporting Act, I needed to provide proof of my identity ( I did ), the specific information that is a result of identity theft ( I did ) and a copy of the complete and submitted Identity Theft Report ( I did ). 
Experian, XXXX and XXXX have not corrected their reporting of this information.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (OK)

i had fraud on my act in XX/XX/year> and have been dealing with this since and keep getting the run around. they say someone will call within 24 hours and never does. my act is negative over XXXX when it shouldnt be. i cant go to a branch to deal with this because i dont live in california anymore. im soooo beyond annoyed. im about ready to close this account even though i really like this bank besides how they are handling this
Consumer complaint received 2024-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (TX)

Ally Bank restricted access to my mobile app and online baking starting on XX/XX/year>, with no reason given. I called, and they put in a tech-support ticket and told me it would take three business days. They did not know why this had happened. Today, on XX/XX/XXXX, I tried to set up a XXXX PIN because I can not see any transactions or make any transfers. The Telebank PIN would allow me to hear transactions at least and get my account balance. This also failed because the IVR did not recognize my Social Security number when I tried to verify myself over the phone. Now, I have to call and speak to someone in customer service to get information regarding my account balance. This feels like a violation of my privacy, and I would like this to be resolved.
Consumer complaint received 2024-07-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (WI)

I am writing to formally file a complaint against PayPal regarding a misapplication of my payments which led to an unjust interest charge of {$400.00} on a special promotion that expired in XX/XX/year>. I have been a long-time user of PayPal Credit and have consistently paid off my special promotions on time without any previous issues. 

In the past, I contacted PayPal to understand how payments were allocated between regular purchases and promotional balances. I was informed that payments would be automatically applied to the balances not accruing interest, such as promotions, and any extra payments would then be applied to the remaining balance. 

Before the promotion expired, I called PayPal to confirm the amount required to avoid interest charges on the expiring promotion. I was instructed to pay {$1000.00} twice, which should have been sufficient to cover the promotional balance. Despite this, an interest charge of {$400.00} was still applied to my account. When I called to clarify the reason for this charge, I was informed that I needed to call and allocate the payment specifically for that transaction, a requirement I had never encountered before. 

This new requirement is highly suspicious and bothersome, especially considering that this was the highest promotional balance I have carried. During my call, I asked how much more I needed to pay to cover the promotional balance and have the interest refunded. The representative told me {$490.00}, and I subsequently paid {$500.00}. However, when I called again after receiving a refund of only {$0.00}, I was told that the previous representative had provided incorrect information and that it was now too late to rectify the error. 

I feel deceived, manipulated, and taken advantage of by PayPal 's handling of this situation. This experience has caused me significant distress and financial inconvenience. I am seeking a resolution to this matter, specifically the refund of the unjustly charged {$400.00} interest.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SECURITY FINANCE CORP (WI)

I received something in the mail, saying That is a satisfaction survey.What 's my husband 's name, but my address. He abandoned me our XXXX kids three weeks ago And I do not consent
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

To : Consumer Financial Protection Bureau Re : Complaint against PayPal for unfair practices I, XXXX XXXX ( XXXX XXXX XXXX, XXXX CA XXXX, XXXX ), am filing a complaint against PayPal for : XXXX. Allowing unauthorized chargebacks on Friends and Family transactions XXXX. Restricting account access without due process 3. Potential violations of EFTA and UDAAP I request CFPB 's intervention to investigate these practices and assist in resolving this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Loan # XXXX Lender Name : Lakeview Lender is including assistance provided by Florida Housing on a payoff amount of the loan that also includes an interest rate of 6.875 % in an attempt to refinance my loan using a different Lender. Lakeview has provided 4 payoff amounts that are showing different payoff amount within the same month and the month. Issuing payout with same origination date and expiration date making the document not valid. Has failed to disclose the reason for such differences in interest payment and fees within 2 payouts in the same month. Not accredited my XX/XX/XXXX mortgage payment on the payoff that expires on XX/XX/XXXX and has also failed to provide all settlement documents and agreements to justify their right to add and distribute the payoff back to an assistance program I was approved for. 

The Payoffs Requested First Payoff Requested Date : XX/XX/year> Expiration Date : XX/XX/year> Payoff Amount : {$340000.00} Second Payoff Requested Date : XX/XX/year> Expiration Date : XX/XX/year> Payoff Amount : {$340000.00} Realizing how close I was to the end of the month and that Monday would be XX/XX/XXXX when payment of mortgage would lower my payoff amount. I requested a payoff amount for the month of XXXX and they provided this XX/XX/XXXX payoff making me uncertain of their payment methods. 

Third Payoff Requested Date : XX/XX/year> Expiration Date : XX/XX/year> Payoff Amount : {$340000.00} The amount shows the same balance and interest percentage value but the calculations show a high difference in the amount yield of the same value and also the balance should have been less since they should have provided a payoff valid from XXXX with the principal of the loan accredited to the balance. 

Forth Payoff Requested Date : XX/XX/year> Expiration Date : XX/XX/year> Payoff Amount : {$340000.00} Once again Lakeview issued an invalid payoff due to same day issue being establish as the expiration date. They have not provided the settlement details and agreements where I allow them to manage my assistance funds and be entitled to do a payoff on my behalf. They denied me of a confirmation of them issuing the payment to Florida Housing after they receive the amount set on the payoff which is showing irregularities and not being able to follow Truth in Lending Act and Regulation Z.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

My credit card account has been closed due a bankruptcy placed on my account, the XXXX XXXX XXXXXXXX XXXX has a toll bill registered under bankruptcy. I was able to get that sorted as my sister XXXX XXXX XXXX 

My sister filed bankruptcy XX/XX/year> and her information has somehow landed on my credit report and is systematically being filtered down to my creditors. My credit card was closed, the XXXX has transferred my toll bill to their bankruptcy department etc. 

I've contacted XXXX and spoken with them thrice. I do not feel competent that I'm being heard about the matter. No one will tell me which credit agency reported the bankruptcy so that I can speak with them nor will any of the credit agencies help me. 

I am not in bankruptcy, my sister is. My name is XXXX XXXX XXXX, her name is XXXX XXXX XXXX. Our social security numbers are identical save for the last XXXX digits. 
Can someone please tell me how to fix this recurring issue?
Consumer complaint received 2024-07-08
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. (AL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-07-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (NY)

XX/XX/XXXX Subject : Formal Complaint Against Debt Collection Agency for Violations of Consumer Protection Laws and GAAP Dear CFPB Family, I am writing to file a formal complaint against the following debt collection agency Spring Oaks Capital LLC for their improper debt collection practices and violation of my consumer rights under various laws and regulations. 

Spring Oaks Capital LLC Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Debt amount listed on consumer report : {$640.00} Date Opened : XX/XX/XXXX I have received a communication from Spring Oaks Capital LLC regarding an alleged debt. I believe this debt is not mine and the collection agencies have failed to follow appropriate legal and accounting standards in attempting to collect it. Specifically, I contend the following : Lack of Verification and Validation : The collection agency has not provided a copy of the original contract or agreement bearing my wet signature. I request the purchase order agreement from the original creditor. Under 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to verification of the debt, including the name and address of the original creditor and documentation of the debt 's legitimacy. 

Violation of GAAP : The collection agency has not provided any verifiable financial information that adheres to Generally Accepted Accounting Principles ( GAAP ). Without proper documentation, their claims are not substantiated and fail to meet ethical accounting standards. 

Right to Face My Accuser : I am entitled to face my accuser. The debt collector has not provided any evidence that I was informed of the debt being sold, nor was I present during any related transactions. This lack of transparency violates my rights and raises serious concerns about the legitimacy of the debt. 

Unauthorized Reporting : The collection agency has no authority to furnish this alleged account to any consumer reporting agency without proper verification. The false reporting of this debt constitutes defamation of character. 

12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to provide specific information regarding the debt, including the name and address of the original creditor.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation mandates that debt collectors provide a detailed statement of the debt, including documentation that supports their claim. 

Provision of Documentation : Provision of the original contract or agreement bearing my wet signature. If such documentation can not be provided, the debt claim should be considered invalid.
Consumer complaint received 2024-07-08
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 have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my XXXX  payments for those accounts.
Consumer complaint received 2024-05-21
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. (MD)

On XX/XX/2024 a collection as added to Experian Credit profile from XXXX XXXX XXXX. I sent a certified letter to XXXX to validate this date. On my credit report it stated that it was for XXXX XXXX. I never had a contract or agreement with XXXX XXXX. I requested that it should be proven or removed withing 15 days. There was no response. 

The collection account from [ XXXX XXXX XXXX ] appearing on my Experian credit report is inaccurate and not associated with any debt that I owe. Specifically 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.

Improper Use of Credit Report : I believe that [ XXXX XXXX XXXX ] has accessed and used my credit report without a permissible purpose. This unauthorized access is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Impact on Credit Report : This erroneous collection account is severely affecting my credit score and financial reputation. It may result in denied credit applications and less favorable financial terms I request that the CFPB investigate this matter and take appropriate action to : Have the incorrect collection account removed from my Experian credit report. 
Ensure that [ XXXX XXXX XXXX ] ceases all collection activities related to this account.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

My vehicle loan account is being reported inaccurate by all 3 credit bureaus. The information is different across all 3 credit bureaus. I asked for this to be investigated and corrected but have not gotten any results or proof of an investigation.
Consumer complaint received 2024-07-08
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. (MD)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2019-06-20
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 4 incorrect things on my credit report. I have 1 collection from XXXX XXXX and one charge off from XXXX XXXX. This is against my rights. I shouldn't have several accounts from the same source. I disputed XXXX for XXXX on my account because balance is extremely high and was told balance was correct but no proof of what what being charged to me was shown to me. I had an account with XXXX and financed a phone for XXXX, plan was month to month no early termination fee and no finance fees. Why am I being charged over XXXX dollars? I have a negative charged off account for XXXX from chase. They are reporting balances and past due incorrectly. I want all 3 negatives removed including the extra negative report from XXXX XXXX.