davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
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 (VA)

I opened up An account with the company Venmo Around XXXX of this year to be able to receive tips from The customers who ask if I have a Venmo. Since opening it up I haven't had to use it until recently a few days ago in XXXX. I had a customer ask if I had Venmo but the payment didn't go through but they were already gone and I didn't ask why. Then a second customer tried to send a tip and told me it said it wouldn't go through then noticed on my end it says my account was frozen. So I went to my email to see if there was anything in regards to that and I seen they sent me an email back in XXXX which I missed to follow the link to send a picture of my i.d . because there seemed to be fraudulent activities. So I sent a picture of my I.d . then they sent a follow up email to say my account was permanently deactivated without giving a reason why. I've tried to contact their customer service through phone but can't get anyone on the phone and then through email but they didn't give me any details just keep saying it's deactivated for good and dismissed me. I've never even used the account before until this month of XXXX so I'm not for sure if they got me confused with another user but they aren't given me any ways to be able to get through to clear my name and reactivate my account.
Consumer complaint received 2024-06-19
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: CL Holdings LLC (TX)

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Consumer complaint received 2024-06-19
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: DISCOVER BANK (CT)

This is a long standing dispute over a checking account whereby XXXX XXXX XXXX Bank XXXX XXXX person to use my account. There are a number of problems with the investigation but that is not the specific subject of this complaint. I have filed a grievance against the General Counsel for XXXX, XXXX XXXX, and in asking for more information ( which Attorney XXXX directed her people not to provide ), Discover Bank sent me a letter stating that they will continue to report my checking account to XXXX after the statutory deadline, which is XXXX years, which means that this debt can not be reported after XX/XX/year>. This is a violation of the Fair Debt Collections Practices Act and is also unethical. A copy of the letter is attached.
Consumer complaint received 2024-09-11
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: EQUIFAX, INC. (NJ)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I have received another letter prepared on XXXX XXXX or 2024 from your company telling me how to initiate the security freeze and locate a credit file. I have received the same letter over and over more than half a year after I notified your company that I am a victim of identity theft. Sometimes, because of these letters from your company, I doubt myself whether I am a victim or not and realize again the unbelievable financial incident from the viewpoints traditional and conservative Japanese viewpoints. I know your company will send me another letter what the next action as a victim of identity theft is ; even though I believe myself I have registered as a victim by your country federal government. I sometimes wonder what might happen if I happen to return to Japan now. Maybe, somebody will ask your company my credit file and steal my information your secure data bank ; then, I might have difficulty to enter the United States since there is another XXXX XXXX, and unable to meet my family. Maybe, they might be disappeared from my view by moving unknown place. It might be different, but I remember one incident of my childhood news that one Japanese lady had difficulty to return to Japan by the identity theft and became national broadcast when she returned. From the beginning, maybe the notification of settlement which I received long time ago might be the faked story same as some financial incidents which continue to happen to me. Anyway, I just notify to your company I received another embarrassing letter of reality which shows your company does not care the victim. 
Sincerely,
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Well I had taken a look at my consumer reports from all 3 credit bureaus and the information does not match 2 reports contained addresses I've never lived at and another report contains misspelling of my name that I have never gone by for instants I've never lived at XXXX XXXX XXXX  XXXX Ca, nor have I ever lived at XXXX XXXX XXXX XXXX, Ca XXXX there 2 more addresses that I don't recognize, and I'm pretty sure that is against the law to be reporting inaccurate data on my report, I have only ever lived in one address my whole life Im very upset with my reports and strongly encourage the credit bureaus to confirm & Correct any misspelling of my name & Correct or Remove these addresses from my credit reports XXXX  XXXX XXXX  XXXX Ca XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, MS XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-09-11
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: EQUIFAX, INC. (CT)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (WV)

The full amunt of the student loan was paid yet the service who collected my money fail to notify my loan provider that the account is fully paid. resulting in my loan provider having no proof that i paid it to hearthland so they can not close my account. i personally can not afrod to another XXXX dollars when it has been already paid for.
Consumer complaint received 2024-06-19
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. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Bondage Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Consumer complaint received 2024-06-20
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Lost Lake Finance, LLC (OK)

This company is part of a debt consolidation & Ive explained im going threw a financial hardship, they ran my card twice putting me in overdraft after they analogies they continue t try and run my card without my consent.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Account info XXXX  Account Name : XXXX XXXX XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account type : Secured Loan EquifaxXXXX  Account Name : XXXX XXXX XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account type : Secured Loan XXXX XXXX  Account Name : XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account type : Credit card Account Name : XXXX Account number : XXXX Account Balance : {$5300.00}. 
Date opened : XX/XX/XXXX Account type : Revolving Account Account Name : XXXX XXXX  Account number : XXXX Account Balance : {$770.00} Date opened : XX/XX/XXXX Account type : Revolving Account Account Name : XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account type : Revolving Account Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( I ) 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.

Please remove the following items from my credit report immediately
Consumer complaint received 2024-06-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (FL)

I closed my XXXX XXXX  at Ally Bank on XX/XX/XXXX. Ally verified the routing numbers for my XXXX XXXX. I was told XXXX days. I have spoken to XXXX bank representatives since then and each say its closed. I have at least XXXX case numbers ( latest # XXXX ) trying to determine the issue. I have spoken to numerous supervisors, and I get the same answer : you should have in on to 3 days. Today is XX/XX/year> and still no money. I am looking for my {$6400.00}. 
Background : I had XXXX XXXX 's - XXXX per month with {$6000.00} plus accrued interest in each XXXX. Because of age and health, I have started to consolidate to a money market at XXXX. I have had trouble getting my money every month. This is worst case, and I think Ally customers should be aware. Ally appears to be financially sound. I think this is their way of using my money without paying interest. I lose both at Ally and XXXX.
Consumer complaint received 2024-09-11
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: EQUIFAX, INC. (FL)

Subject : Complaint Against XXXX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX  Account XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with EQUIFAX and XXXX evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (FL)

I've disputed numerous times reach out to collection department this is not my account I've ask they remove they have reported a new former address on my files that is not mine I've never lived in Oklahoma I've lived in fl for the past 20 years and work here as well no one cares to listen or investigate this matter while my credit is being impacted and collections harassing my phone with debt that's not mine
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

I had a pending debit from my account. I always wait to see what comes though in the morning to make sure its a valid pending debit so I can make sure the transaction is legitimate. I have been in a position previously where I had someone use my account and routing number in which to withdraw money with an ACH transaction out of my account. I lost that money and never got it back. So now I wait to see what transactions are pending in the morning and then I transfer the money from a separate account at the same bank into that account that pays my bills. It provides me peace of mind. So I transferred money into that account for the pending transaction and that transaction was paid by my money not the banks money, yet Wells Fargo the next day charged me an overdraft fee for the pending amount that I paid with my money transferred from XXXX of my other Wells Fargo checking accounts. I find it obscene that Wells Fargo what have the gall to charge me an overdraft fee for an item that was paid with my money not theirs. If they're doing this to me they're doing this to thousands of customers.
Consumer complaint received 2024-09-11
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)

TransUnion, XXXX, and XXXX have continued to report inaccurate information on my credit report, despite my previous disputes and efforts to correct these errors. I have attached a letter that provides proof supporting my claim and demonstrating the inaccuracies being reported. The failure to update this information in a timely manner, despite clear evidence, has caused ongoing negative effects on my credit score. I am requesting an immediate investigation and correction of these inaccuracies, with all erroneous information being removed from my credit report.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : Misrepresentation of Car Return as Repossession by XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to submit a formal complaint regarding the handling of my auto loan and vehicle return by XXXX XXXX XXXX XXXX. 

I voluntarily turned in my car to XXXX XXXX XXXX XXXX with the understanding that a portion of the loan would be paid off as part of the process. However, after returning the car, I was informed by the bank that the vehicle had been repossessed, even though this was not the case. I willingly returned the car, and I was misled into believing this would resolve part of the loan.

This misrepresentation has caused significant harm to my credit report and financial standing, as a repossession carries serious negative consequences. I am seeking assistance in correcting the mislabeling of this event as a repossession and ensuring that my credit report accurately reflects the voluntary return of the vehicle.

Thank you for your attention to this matter.
Consumer complaint received 2024-09-13
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. (DE)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


I looked at my XXXX 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 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 information is inaccurate.
Consumer complaint received 2024-09-13
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: EQUIFAX, INC. (TX)

I have made repeated efforts to address the issue of unauthorized inquiries on my consumer report, but without success. These inquiries are entirely unrelated to me and I am not responsible for them. Their presence has resulted in considerable emotional and financial strain. As an identity theft victim, I may have to resort to legal action if this issue isn't properly resolved. These fraudulent and inaccurate entries have prevented me from purchasing my ideal home and meeting my family 's financial needs, significantly impacting my economic stability. I've enclosed a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution for your reference.
Consumer complaint received 2024-09-12
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. (IN)

Late payments from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> that I have disputed and called each company to resolve this problem.
Consumer complaint received 2024-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Brightfunders, LLC (VA)

My closing was XX/XX/XXXX. We didn't officialy move in until XX/XX/XXXX. During that time, various documents were received regarding first payment of mortgage in which a check is required to be sent. The mortgage servicing changed hands three times during that time. I misunderstood which company was the current servicer and I mailed first payment around XX/XX/year>. But then I received additional mailings from a different servicer which I learned was the correct one. The servicer I sent check to is Lower, LLC. The current servicer is XXXX ( XXXX XXXX ). I contacted Lower in early XXXX. I was told that normally the funds I sent are transferred to the new servicer and that it takes two weeks. To date, XX/XX/year>, the check was not deposited nor has XXXX XXXX recieved payment. I tried contacting Lower yesterday, but throughout the day, the message was " No agent is available. Goodbye. '' I spoke with XXXX XXXX and was told if payment isn't received by the end of XXXX, my credit and my partner 's credit will be compromised even though no fees will be charged until after XX/XX/XXXX. I am unable to sign up for automatic payments until XXXX 's payment is received. I will have to place a stop payment on the check sent in case it is ultimately deposited. It is in the amount of nearly {$2500.00}. The stop payment will cost us {$30.00}. Essentially, I have given up contacting Lower since they don't offer a means to communicate at this time.