davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge 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: Paypal Holdings, Inc ()

I have previously submitted an appeal, appeal number : XXXX. However, the issue has not been resolved, and the appeal has been closed. PayPal 's feedback was that my account is in different countries, so the US can not handle my issue. 

What I need to convey is that this transaction issue occurred in XXXX XXXX XXXX XXXX, and I did not receive the corresponding service. The reason I did not receive the service was that I reported a suspected double charge to PayPal, and as a result, PayPal proactively canceled my hotel reservation. Detailed information and related evidence can be found in my previous appeal. 

Currently, I have received a call from PayPal. The representative spoke with me for almost an hour, eventually telling me that they confirmed the responsibility does not lie with me, but they are powerless to help. They shifted the responsibility to the hotel platform and my credit card bank, suggesting I continue seeking a solution on my own. They also mentioned they would attempt to contact the hotel platform but could not guarantee the outcome. 

My payment was made through PayPal, and as my intermediary, PayPal should protect the consumer. As a world-class company, it is highly irresponsible to shirk responsibility and treat users this way. 

My request is for PayPal to take this issue seriously under the supervision of the CFPB and provide me with a fair resolution. I have voice recordings of my communication with PayPal, which can be provided as evidence at any time.
Consumer complaint received 2023-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2023 - Asked credit report agency to verify accuracy of information. 

XX/XX/2023 - Investigation results ; Verified and Updated information After the investigation for timely, accurate, and verifiable information from creditors, there were still discrepancies and inconsistencies across all three-credit report ( XXXX ). 

Name Of Account / Acct Number Verification Collection Management : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit reporting Act, the accounts above have violated my right.

15 U.S.C. 1681 Section 602 A states, I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2, It also states a consumer reporting agency, can not furnish an account without my written permission.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

Me and my husband bank with Wells Fargo. We have a child and only have one income, which is mine. I disputed Transactions because there was so much on my account and my husband said it wasnt him and it was not me. I was underway at the time I told them I didnt have my card and I left my wallet in my rental car at that time. I submitted a claim with 49 transactions and told them it wasnt me. They denied my claim of {$3700.00}. Which is bad for me because I was late on my rent because of the transactions and now Im even gon na be more late because I dont make that much money too lose that much. Im in the XXXX and I dont make that much. I submitted the claim on the XXXX of XXXX and it was closed today XXXX XXXX. The claim number is XXXX. I called them today XXXX XXXX to see why and see what I could do to reopen the case and have them look again because Im going to be in the whole for so many bills. And they hung up on me. Now Im facing eviction because they denied it, but it was not me And they did this before when I submitted a claim on XX/XX/year> for {$3300.00}. That claim number is XXXX. Because they said I had my debit card at the time. My husband was home. He was not at XXXX and I was at work for the military, which I told him I could provide them proof of that and they still didnt want to open and look at the case. I just really need them to look at these. This is not me or my husband he even said on the phone it wasnt him. I just need some help because this is over {$6000.00} that was taken away from me and they wont do anything and I dont have money like this to spare. Im already behind on so much bills. And I told him yes I do write my pin on the card just because Im very forgetful and it helps me because I stress a lot due to being in the military so Ive cant remember everything and they didnt wan na help so please have them look over these two transactions.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MO)

-- -- -- -- -- -- -- -- 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Affirm Holdings, Inc (AZ)

To Whom It May Concern : We are writing to inform you that we have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your company 's failure to remove debts included in our federal bankruptcy. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts.

Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. " Under 11 U.S. Code 362, all collection and ****reporting of debts**** must cease immediately upon filing for bankruptcy. '' ( Emphasis added ) Despite our previous attempts to resolve this issue directly with Affirm, the incorrect reporting of these debts remains on our credit report. This debt is still being reported to all three credit reporting agencies, and most notably, XXXX has continued to show the balance, late payments, and the debt to date. We expect immediate action to rectify this situation in compliance with federal law. 

Please confirm receipt of this notice and provide an update on the status of the removal of the aforementioned debts from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX Date of Birth XXXX : XXXX Date of Birth XXXX : XXXX Last four of social for XXXX : XXXX Last four of social for XXXX : XXXX
Consumer complaint received 2024-05-22
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. (CA)

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered an account that does not belong to me and is a result of identity theft. This fraudulent account has already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the bank associated with this account via phone call, and they have confirmed that the account was fraudulent and have removed it from their records. Despite this, the account remains on my credit report with your bureau. I ask you to remove this account from my report ASAP : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Brock & Scott, PLLC (MD)

I sent a debt validation letter to XXXXXXXX XXXX as well as Brock and Scott on XX/XX/XXXX via CFPB. The reference number is XXXX. I was not sent validation in it completion.
Consumer complaint received 2024-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I was contact by a company XXXX XXXXXXXX XXXX  XXXX. I have no business relations with XXXX XXXXXXXX XXXX XXXXXXXX.This company claims I owe moneys to XXXX due to my buisness ties to company XXXX. My information is being mishandled. I did not authorize any third party transactions The account debtor XXXX XXXX is unfamiliar or incorrectly filled.The company reaching out is third party. They are claiming to have limited information.I attempted to contacting original debtor XXXX to resolve complaint with consumer finance.gov. However XXXX XXXX is unresponsive .The dispute was immediately closed. Ive also request proof of debt from all third parties. This was submitted more than 30 days ago.The company failed to bring forth this documentation or remove debt regarding account
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (KS)

On XX/XX/year> I first sent letters Disputing this XXXX accounts to the credit bureau that Chase seems to be reporting on my credit report, I waited the 30 days and did not receive anything back. Which then I was like ok maybe they didn't get the letter, so on XX/XX/year> I sent it directly to them this time to the address that is being reported on my credit report. Which I have attached said letter letting them know I am disputing this account, and am asking them to validate this account by showing me proof of the following items. 

Validation of Debt : Please provide all documentation that substantiates this debt, including but not limited to : A copy of the signed contract or agreement that indicates I have an account with your company. Detailed account information showing the original creditor, itemization of the debt, and the dates associated with the debt. 
XXXX. Proof of Ownership : Evidence that your company has the legal right to collect this debt, including any assignments or transfers of ownership. 

Along with I asked them to stop all collections at this time, until they are willing to provide me with enough proof to show me that they in fact have the right to come after me. I have no knowledge of having an account with them or signed contract, if they can provide me the proof I am asking for then we can work something out. 

Which they have actually failed to provide me this information. Instead they decided to provide me with a letter that is basically a stall letter. Asking me to very my information to them, along with proof for my address, as my first round I had sent them a photocopy of my Drivers License along with proof of address. I have also provide them with my signature, I would hate for this matter to have to go any other way all I am asking for is the proof which if they are unable to provide the proof them I am asking for this to be removed. IF this is not removed and proof is not provide I will seek other means if need be to get this handled.
Consumer complaint received 2024-07-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

On XXXX XXXX I received collection to my name regarding a debt that is invalid. Started a year to year lease XX/XX/XXXX and it expires XX/XX/XXXX and went to month to month until XX/XX/XXXX. A year later I received a collection for early termination. Not once was a new XXXX  lease sign therefore automatically renews to month to month. 
XXXX XXXXXXXX XXXX  actions will result in negative consequences in purchasing my home Their false accusations is causing harm to my credit. 
I went into the office asking for them to provide me where a new XXXX lease was sign and they could not provide me with not one signed document. 
On the contract it states if nothing is signed automatically will turn into month to month.
Consumer complaint received 2024-05-22
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THEY DO NOT HAVE MY WRITTEN CONSENT.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
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: DISCOVER BANK (GA)

Never had a discover bank card Fraudulent account. 15 USC 1681e ( b ) 15 U.S.C 1681 C-1 15 U.S.C 1681 C-2
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

An incorrect address is listed on my credit report and I want it removed immediately. That address is XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX. 
I want this address deleted from my credit report immediately.
Consumer complaint received 2024-05-22
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. (PA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (SC)

I would like Wells Fargo to stop sharing my nonpublic personal information with non affiliated third parties including the consumer reporting agencies : XXXX, XXXX, and XXXX.
Consumer complaint received 2023-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (CT)

I have tried everything to show this bill was fraud never my bill I sent information formatted in a letter and this bill was originally XXXX. It was removed from one of the credit bureaus at least four times however once it's sold to another collection agency it seems to come back on y credit report. I have never lived at this address or signed up for XXXX. I stated this and showed I've been in XXXX XXXX, CT during the activation of this company resources. I had XXXX in XXXX XXXX, CT during this time living in XXXX XXXX CT, XXXX. This bill has never been mines nor has any proof been shown this. Please look into to this and remove it permanently so I don't keep having this issue of disputing this company. It only keeps appearing on XXXX from a collections company named Radius Global Soultions in which I've contacted them as well about this. Please help assist me on this matter.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (FL)

I am writing to dispute a late payment listed on my credit report, which I believe is inaccurate and incomplete. The payment in question was made on XX/XX/year> for Amex but was reported as late. 

Under the Fair Credit Reporting Act ( 15 USC 6801 ), credit reporting agencies are required to ensure the accuracy and completeness of consumer credit information. I believe this requirement has not been met in my case, as the payment was made on time and in full. 

I request that you investigate this matter and correct my credit report to reflect the accurate payment history. Please provide written confirmation of the correction within 30 days. 

If you need additional information or documentation, please let me know. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-17
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. (FL)

since i found out that I have quite a few fraudulent accounts on my credit report ( under different names and addresses ) i been trying to remove them from my credit report. all these accounts aren't mine, they were open under different names and addresses between XXXX to XXXX. Account name XXXX Account number XXXX XX/XX/XXXX Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX CARD  Account number XXXX Date opened XX/XX/XXXX Show more Account name XXXX  XXXX  XXXX  Account number XXXX  XX/XX/XXXX XXXX XXXX XXXX every time i called the XXXX, Equifax and XXXX  credit bureaus, they tell me something different non sense. please help me to sort this out.
Consumer complaint received 2024-05-22
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-05
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

Dear MACYS/CBNA ; I was shocked when I reviewed my credit report TODAY and found late payment as being was past due 30 days. I have never being late on this account since i opened it back in XX/XX/year>. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

They promised me my part of the settlement which they never gave or a refund of all the penalties and all the cost that I'm out and medical costs that I lost for coverages and etc which total {$20000.00} Plus for lawyers and stuff and I submitted claims and they did not do anything on that or give me my restoration like they told me in 7 years of monitoring haven't done nothing