davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-13
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. (TX)

I have unknown accounts on my credit profile. I am needing these accounts removed immediately. If for some reason the following accounts that are listed on the attachments that I have uploaded come back validated, I need the contract with my wet signature. A bill, statement, or payment history is not validation of debt. Please remove these unknown accounts off my credit profile asap.
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: EQUIFAX, INC. (MA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-22
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. (CA)

Recognized inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Unrecognized inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/year>, I received a refund for the account of {$4400.00} from XXXX XXXX XXXX  through XXXX I believe, and getting an instant Venmo refused to allow my to send funds to relatives that have been helping me, with my family etc., then on today XX/XX/year>, I received a very aggressive email from a XXXX XXXX From the Venmo team, I wish I could attach it to send with this, I explained I was a single mother XXXX XXXX XXXX XXXX XXXX  and being a part, and that refund helps me maintain throughout my XXXX XXXX, she totally disregarded my needs, which was very unprofessional, I even sent in my driver 's license like asked, even tried to link a bank account to withdraw like they instructed, only to say if triggered a red flag, please can someone help me.
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: COMMERCE BANK (MO)

On XX/XX/2024 at the Commerce Bank Branch on at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I authorized a wire transfer from my business to a counterpart in XXXX, for the amount of {$6000.00}. 

On XX/XX/ my counterparts had still not received the wire transfer. I went in person to the bank branch and was told it could take up to 10 days and to wait until that date. 

I returned on XX/XX/2024 after the wire was still not received and opened an internal investigation at the bank. The money was withdrawn from my account on XX/XX/2024 but that was all they could confirm at that time. I was informed the investigation would take an additional 3-5 business days. 

On XX/XX/2024, after no returned phone calls from the bank regarding this issue, I again went in person to the branch where I was told that instead of wiring directly to my counterpart 's bank, they used XXXX XXXX  as an intermediary bank, and that XXXX XXXX  had in turn wired the money to XXXX XXXX XXXX  XXXX, who had not responded to any requests. They sent an email at the end of the day informing me that it could take XXXX days for resolution. 

I again went into the bank branch on XXXX XXXX XXXX XXXX but no additional information was provided. 

On XXXX I was told that XXXX XXXX XXXX intermediary had returned the funds and XXXX XXXX  then used XXXX XXXX  to make the wire. I asked for paperwork to prove this transaction happened, and they failed to provide it. 

On XX/XX/2024 I was told that XXXX XXXX  had wired the money to the bank in XXXX, as I had originally engaged Commerce Bank to do. I asked for confirmation of this and paperwork. They said they could not provide any paperwork. I asked my counterpart in XXXX to check with their bank. They did so and the bank said nothing had been received. 

On XX/XX/2024 I requested additional documentation to help my counterpart in XXXX receive the allegedly sent funds. 

On XX/XX/2024 through email I was told again that the wire department would not provide any paperwork to prove that what Commerce Bank said was true, nor to help the bank in XXXX locate the transfer for my counterpart. 

Commerce Bank has caused serious disruptions to my business due to their failure to perform the services engaged in. This is a bank worth XXXX XXXX XXXX XXXX XXXX who is unable to perform the services they charge for, unable to provide customer service or resolution, and have made no serious attempts to remedy the problems they are causing. It has cost me significant time and money to find resolution and Commerce Bank has been a horrible partner during this process. 

At the time of this writing, I do not have my {$6000.00}. My counterpart in XXXX does not have the {$6000.00}. Commerce Bank refuses to provide any paperwork or documentation to support their statements about the exchanges between the banks. Commerce Bank has offered no resolutions and no solutions to the problems created by the services they have marketed and sold to me.
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: EQUIFAX, INC. (NV)

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 XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-07
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. (WA)

It currently shows that I owe an alleged debt with XXXX. I have no idea who these debt collectors are. There has been no provision of an original contract or binding agreement complete with signature between myself and the alleged debt collector. On a report of credit that is connected to me, it shows that DEPTEDXXXX aka XXXX, has an account connected to my personal information that is open and current. That is misleading, misguided and an inaccurate. It is an egregious abuse of misinformation, and a theft of identity as they have my personal information without my permission or consent. It is a gross misconduct and abuse of the practices as a debt collector and should not be tolerated under the understanding and guidance of the Consumers Privacy Act, Fair Debt Collections Practices Act, and Fair Credit Reporting Act. This also shows that before allowing misinformation and inaccuracies to be allowed on a report of credit connected to me that all credit reporting agencies and bureaus did not investigate properly before allowing these negatives remarks and balances to be placed on said report.
Consumer complaint received 2024-05-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: LD Holdings Group, LLC (CA)

This company ( loan Depot ) gave me low ball interest rate quotes to lure me into application. They ask for credit card ( mine ) very quickly so they could get appraisal done. In my ignorance I gave them my credit card info and they charged it the card right away. They stalled the process and when I decided to go with another lender the basically held me XXXX by not transferring the completed appraisal to my new loan company. They continue stall as I write this complaint Its like there ego was hurt and now they are holding me up from processing my new application. Excuse after excuse they offer for not releasing my case number to the new lender. There was a recheck needed on the appraisal. New lender wants to pay for recheck but loan Depot is slow walking this also. They are punishing me and keeping me from finishing the loan process with the other lender. Loan depot know I need that appraisal released to complete the process. In my opninion Loan Depot is not an ethical or honest company and should be held accountable for there brutal and childish behavior. 
Thank you
Consumer complaint received 2024-06-27
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (IL)

I was leasing a washer/dryer through Acima Leasing . I decided to fully pay it off to avoid paying double the cost of the appliance. The final payment was {$350.00}, the first try of the payment failed. The second payment was successful, until I got onto my banking app on XX/XX/year>XXXX  and realized that they took the payment twice and my account was now negative {$200.00} and change. I called Acima on XX/XX/year> and they said they dont have my money so they cant refund me and then proceeded to blame the double payment on my bank and technical issues that they wouldnt be able to resolve until Friday XX/XX/year>. I had to call my bank and they said I would have to wait until the charges fully went through before I could file a dispute, but I feel that Acima has stolen my money and I can not afford to be taken advantage of. I have other bills to pay.
Consumer complaint received 2024-09-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (WI)

I am currently homeless, and my friend XXXX XXXX, who is based in XXXX indicated she would cash app me {$600.00}. I received a message the transfer was blocked to protect my account. I explained the circumstances for 6 hours and no one cared to verify. They kept repeating the same statement, they are trying to protect my account. In the end I never received the money, and never got a reason why cashapp blocked her sending money. I even requested the money from her and that was blocked. The point is cashapp never provided a reason for not facilitating the transaction. I opine that because XXXX is a third world country and as a result I am receiving fraudulent funds
Consumer complaint received 2023-01-12
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 — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (VA)

My mortgage was purchased by Mr. Cooper ( XXXX XXXX XXXX XXXX XXXX ) and they notified the credit reporting agencies that I was 30 days late on a payment. My XXXX account is set to automatically make the payment on the 1st of the month and processed normally. My payment amount increased, and I was not notified so rather than processing the partial payment they held it. When my next payment arrived 29 days later, they applied it to the principal but kept holding the monthly payment and reported it as 30 days past due. They finally contacted me, and I made the payment and adjusted my autopay. Mr. Cooper ( Company ) indicated that they applied the second payment to the principal because it was in the same month. My payment history clearly shows this is not their standard procedure because if the 1st falls on a weekend or holiday the payment is processed the day before and this happens frequently. I believe they should have released the payment being held ( without notification ) and I would not have been 30 days late. When I contacted them, they reversed the incorrectly applied principal payment and the one being held after I made the additional payment to cover the difference in the new amount. I contested the negative entry as my credit score dropped over 100 points. I reviewed the comments on Mr. Cooper 's XXXX page, and they appear to consistently have poor business practices.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Within Grace Period : The payment reported as late for XX/XX/XXXX was actually made within the 15-day grace period allowed by my creditor and should not have been recorded as a late payment. 
Misapplication of Funds : There was an error in how my payment was processed, resulting in an incorrect report of a late payment. The payment was sent and processed on time but was not correctly applied to my account by XXXX. 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payment was made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-26
Product: Credit card or prepaid 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 (MT)

as of XXXX XXXX XXXX  there was {$600.00} on my paypal card after 1 call 2 XXXX only {$270.00} was left!! My purchase was nit that much! Next day I called n they said there was an error ... after 2 more calls in XX/XX/XXXX5 more calls in XX/XX/XXXX both XXXX n XXXX both saying they see the mistake ... .as of today I have not recieved a dime
Consumer complaint received 2024-05-07
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. (NC)

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. 
Account name XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX Account XXXX XXXX Account name XXXX  XXXX XXXX Account XXXX XXXX Account name XXXX XXXX Account XXXX XXXX Account name XXXX Account number XXXX Account name XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX Account number XXXX Account name XXXX XXXX  XXXX Account XXXX XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number 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 instruction 's 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 information is inaccurate.
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: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX Account NumberXXXX Account Name XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumbeXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account NumbeXXXX has violated my rights. Or a list of inquiries : 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 information is inaccurate.
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: EQUIFAX, INC. (GA)

I've learned that the creditor didn't provide the necessary XXXX 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 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : LexisNexis XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Request for Verification/Correction of XXXX Financing Statement on XXXX ReportDear Sir/Madam, I am writing to request verification and correction of a XXXX Financing Statement that should be accurately reflected XXXX the credit report for XXXX XXXX XXXX XXXX. The XXXX Financing Statement was filed on XX/XX/XXXX, with the California XXXX XXXX XXXX under XXXX number XXXX are copies of the relevant XXXX  filings for your review and action, including : The initial lien financing statement filed on XX/XX/XXXX, XXXX collateral filings on XX/XX/XXXX ( File Number : XXXX ) and XX/XX/XXXX ( File Number : XXXX ) XXXX termination filing dated XX/XX/XXXX ( File Number : XXXX ) XXXX add collateral filing dated XX/XX/XXXX ( File Number : XXXX ) XXXX documents outline the security interest covering all applicable collateral, which should be reflected on my credit profile as per the accurate and complete information provided. I request that you verify the filings and update the report to reflect this information accurately.Please confirm the completion of the verification and correction, or notify me if additional information is needed. I look forward to your prompt attention to this matter.Thank you for your cooperation.Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.