davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
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: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (TN)

XXXX submitting this CFPB Complaiont to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The item in question are as follows : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-04-16
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (PR)

XXXX.XXXX, the XXXX credit card issuer, had charged me twice for the amount of {$10.00} totalling {$20.00} saying that they had not received payment when they HAD : XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/2023 Dear Creditors, I want to ensure that the most accurate information is in my credit profile at all times. The listed items below are inaccurate and should be removed/deleted from my credit report immediately. 

Please delete the following inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX Please delete the following inaccurate phone numbers : XXXX XXXX XXXX Please delete the following inaccurate employers : The XXXX XXXX XXXX XXXX XXXX I am filing this complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed a copy of my state issued identification and social security number to validate my identity.
Consumer complaint received 2024-04-08
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: Experian Information Solutions Inc. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-06-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I keep getting call after call after call from Portfolio Recovery, each time from a different number. I do not owe any debts. My home is paid for, my cars are paid for, and I pay off the balance on my credit every few weeks. I don't know what these scammers are trying to pull, but they have called my cell 15 times since XX/XX/XXXX, ( today is the XXXX ). 

I understand you already been ordered this company years ago to back off their scam tactics, but obviously, they have not listened. I would appreciate it if you would remind them, and stop them from harassing me.
Consumer complaint received 2023-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

On XX/XX/year> I requested to have information investigated and removed as they were unauthorized. It has been almost 60 days and there has been no resolution. These inquiries were unauthorized and I reached out to the company and was told to reach out to Experian to have it resolved. I have become extremely frustrated and disappointed in the time it has taken to still not have my issue addressed.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I deposited a check for {$3800.00} into my account. The funds were immediately placed on full hold with no warning until the XXXX of XXXX. On the XXXX of XXXX, my account was frozen without warning or explanation. I have no gone almost a full month without having access to money I was expecting and have available to me. I have had to cancel multiple financial obligations and am literally in a position where I am currently starving, though I have several XXXX dollars available. Chase will provide zero explanation or date when I will actually receive my funds.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

We had fraud checks in our US Bank account XXXX since XX/XX/23 till we found out in XXXX. We started the claim process then and it's been 3 months we still haven't received the amount of total XXXX  XXXX they're suppose to refund us. When can we receive the fund?
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-08
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: Resurgent Capital Services L.P. (ID)

I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

Loan was transferred to new servicer. Accidentally the 3rd payment was made to the prior servicer on time and with sufficient funds, so we though the payment was made- all set as always. The prior servicer didn't forward the payment, ( or notify me in any way it was sent to the wrong place ) and the rejected payment didn't post as failed with my bank until after it was already late. I forwarded the copy of the bank statement showing it WAS paid on time, along with the payment, and the current month 's payment due, as soon as it was discovered it hadn't processed. 
I submitted to the servicer, who has since applied late fees, and is not posting the regular payments due to insufficient funds due to the unwarranted late fees that were applied. 

I have tried to expedite this with the servicer, to no avail, so it is time for the CFPB to try. 
It has negatively affected my credit rating, caused other credit score driven issue such as my a rejection of my daughters student loan application for her tuition due XX/XX/XXXX. If they due process the student loan, it affects the terms we receive on it due to the low credit scores associated with the issues created by the misreporting of Mr. Cooper regarding the mortgage payment servicing transfer issues. Mr Cooper was unwilling to to expedite any part of this. I attached the statement showing the payment XXXX to academy mortgage and the XXXX paid XX/XX/XXXX.. The rejected one was also resent on XX/XX/XXXX XXXX
Consumer complaint received 2023-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

A friend of mine XXXX XXXX transferred me {$1500.00}, reimbursement of a pool heater I help them with, through money transfer service Venmo/PayPal . I verified my identity by uploading my drivers license linking my bank account so forth so on. I then transferred {$800.00} from that account and showed it was pending as of XX/XX/XXXX, I received an email from Venmo, stating that my financial institution would have the fines between 1 to 3 business days by the third business day. Venmo suspended my account with no communication other than automated and said that I was in violation of their personal Venmo agreement they wouldnt give me a reason as to why or even ask me questions, and the only thing that I can assume is that they assumed this was a transaction of goods and services and they were concerned about a charge back. This was not the case and wouldnt even allow myself or XXXX XXXX to verify this and now theyre justifying placing a hold on my {$800.00} transfer to my linked in verified bank account for six months I cant believe this is legal, they wouldnt even give us the option to transfer the {$800.00} back to XXXX XXXX Venmo account and her and I could work out payment arrangements for reimbursement some other way. This was an authorized transaction money transfer between friends and family not goods and services for Venmo to justify placing a hold of {$800.00} of peoples money for no just cause for six months is completely unacceptable especially with no communication for almost 5 to 7 business days after the fact.
Consumer complaint received 2024-04-08
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: Experian Information Solutions Inc. (CT)

I am addressing a matter of significant concern regarding willful non compliance and the resultant civil liability stemming from actions on behalf of Experian XXXX XXXX. CIVIL LIABILITY FOR WILLFUL NON COMPLIANCE 15 U.S.C. 1681 ( n ).

I have submitted THREE written request with Forms 3800 and 3811 attached.Filed Complaints with the CFPB, FTC, & BBB and still no resolution. Please see attachments, copies of documentation and evidence supporting my claims. 

As of XX/XX/XXXX, I pulled my Experian Report and these accounts which I demanded to be deleted, as well as copies of the documents Experian used to verify these accounts per my request are still XXXX OF XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX -Unverified Account XXXX XXXX XXXX -Original creditor : XXXX XXXX BANK XXXX XXXX. - XXXX - Unverified Account The company said they have reinvestigated these accounts, but all they have done is parroted information given to them by other sources. I asked Experian if I gave them written instructions? They ignored my request. I asked that Experian provide me with the name of the person who verified the accuracy of these accounts, they ignored my request. I have the right to demand all documents that Experian has recorded and retired in their files pertaining to me. 

The company has reached the 30 day mark, therefore they must delete these accounts from my credit report. A written letter was sent XX/XX/XXXX for XXXX XXXX XXXX, and Inaccurate accounts XXXX XXXX # XXXX. XX/XX/XXXX a written letter was sent for Unauthorized Credit Inquires on my consumer report XXXX CM # XXXX. A second written request was on XX/XX/XXXX XXXX CM # XXXX. A third written request was on XX/XX/XXXX Refusal to conduct proper investigation XXXX XXXX. XXXX ( XXXX ) XXXX CM # XXXX.
Consumer complaint received 2024-04-08
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: Experian Information Solutions Inc. (TX)

I am urgently contacting you regarding the incorrect late payment entries on my credit report. Despite my numerous efforts to resolve this issue, I have faced persistent obstacles and delays from your organization. Your negligence in addressing this matter has had significant consequences for my financial status and overall welfare. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$630.00}
Consumer complaint received 2023-04-27
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-24
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 (PA)

Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account ( [ Your PayPal Email Address ] ). I strongly believe that this limitation has occurred due to a misunderstanding or error, and I kindly request a reconsideration of this decision. 

I want to emphasize that I have always been a diligent and responsible PayPal user, adhering strictly to all PayPal policies and guidelines. As such, I am perplexed and distressed by the limitation imposed on my account, as I am confident that I have not engaged in any activity that violates PayPal 's terms of service. 

I kindly request that PayPal initiates a thorough review of my case. I understand that mistakes can happen, and I genuinely believe that upon re-evaluation, you will find no basis for the limitation on my account. If any specific transaction or action has triggered this limitation, I am more than willing to provide any necessary documentation or information to help clarify the situation. 

It is of utmost importance to me that my PayPal account be reinstated, as it plays a critical role in my financial transactions. I have always valued the convenience and security that PayPal provides, and losing access to my account has caused significant inconvenience and uncertainty. 

I earnestly appeal to you to re-investigate this matter with the hope of restoring my PayPal account to its full functionality. The email address associated with my PayPal account is XXXX I sincerely appreciate your prompt attention to this matter and your commitment to resolving this issue fairly. Thank you for your time and consideration. 

Best regards, XXXX XXXX