davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-17
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. (NC)

On XX/XX/2024, I mailed Experian, XXXX, and XXXX letters providing accounts that was on my credit report due to identity theft. Per the FCRA section 605B I the consumer have the right to have all accounts and information blocked off of my credit report due to identity theft within Four business days. The 3 credit bureau did not remove any identity theft off of my credit reports. I submitted a Police report as well as a FCT report all which states the accounts in question. Experian, XXXX and XXXX has not provided any evidence in regards to there investigations. I should not be subject to this treatment and inaccurate information on my credit reports when I was a victim of identity theft. My information was also I. The XXXX data breach. Ive provided all information needed to remove inaccurate information off of my credit report. If this problem persists I will have to take legal actions. 

Enclosed Attachments ; Proof of identity ( driver license, social security card also credit card statement for proof of current address. My drivers license also has my prior address on it. Ive provided 2yrs of addresses.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-17
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)

ON THIS DATE XX/XX/2023, XXXX IVE ASK THEM TO REMOVE THESE ADRESSES AND THERE STILL THERE, PLEASE HELP ME GET THEM REMOVED. 
XXXX. XXXX XXXX XXXX XXXX, NJ XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX PL XXXX XXXX, GA XXXX XXXX. XXXX TO XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

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 2024-05-17
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)

The reporting of the late payments from account XXXX ACCT # XXXX Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. The PAYMENTS ON THIS ACCOUNT WERE NEVER LATE! AS ITS ILLEGAL TO REPORT ANY TIMIMG OF PAYMENTS THAT INCURRING ON FINANCE CHARGES. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1666b. 
Which also allowed the credit agencies XXXX XXXX, EXPERIAN, AND XXXX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2.

I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Consumer complaint received 2024-05-18
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. (CA)

XXXX XXXX XXXX opened on XX/XX/year> Without my knowledge. this card opend by someone who has my information. I sent this to all credit and asked them to Investigate after while I look at my report and noticed everything is still the same.

According to 15 USC 1681 iFive they are supposed to do this five treatment of inaccurate or on verifiable information. 
If after any reinvestigation under paragraph XXXX of any information distributed by a consumer an item of the information is found to be inaccurate on incomplete or can not be verified the consumer reporting agency show properly delete the item of information from the file of the consumer or modified that item of information as appropriate based on the results of the reinvestigation.

And properly notify The Furnisher of that information that information has been modified or deleted from file of the consumer. and according to 15 USC 1681EB they are supposed to ensure this be a currency or Freeport whatever consumer reporting agency prepare a consumer report it should follow reasonable approach the door to ensure maximum possibility accuracy of the information concerning the individual about whom the report relates and according to 15 USC 1681S to this os supposed to happen a reporting information with actual knowledge of errors a person should not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate be reporting information after notice and confirmation of a rude person shall not furnish information relating to consumer to any consumer reporting agency if The person has been notified by the consumer at the address specified by the person for such a notice that specific information is an inaccurate and information is in fact inaccurate. Experian XXXX XXXX XXXX really did not re-investigation they lied on an official document saying they did something they did not do and if I have evidence to prove my case
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (MA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-17
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CT)

I have been in business since XXXX and have accepted PayPal as XXXX of the payment methods from clients since the start. In these XXXX years, I have never had any issues with the banks, PayPal, or credit card companies. Until now. I recently had a client pay for our services through PayPal, and we performed the agreed upon month of work, and also added a few weeks and many hours of work. Much to my surprise, I received a notice from PayPal that the funds sent to us from this client, for the work we had already performed, was being disputed by the client. This " case '', as they call it, allows for both sides to present documentation to support their claims. The client who was disputing the claim provided no documentation, no proof, and nothing to support their claim. We provided multiple email exchanges, outlining the correspondence with the client, including them praising us for our work. In addition, we provided specific examples of the work we performed, including the additional hours/weeks of work on top of what was originally agreed upon. PayPal then ruled in favor of the client, who had no documentation, and PayPal actually deducted money out of my BANK ACCOUNT. They stole {$1500.00} from my businesses account. I quickly called their customer service line and spoke to a nice gentleman for about XXXX minutes who told me that in fact the case was ruled in MY favor. They had reversed their decision and that the funds would be deposited back in my account within a few months. I waited, and waited, and nothing. When I finally called them back for an update, they claimed it was not ruled in my favor, even though my account clearly states it was ruled in my favor. 

They are still claiming they can't do anything about it. I spoke to multiple representatives at PayPal through their helpline, all of which agreed that this should have gone in my favor, and they can't do anything to fix this or return the money they stole from my bank account. This is warning to anyone doing business using PayPal as an option for payment. Don't do it. They could easily rectify this by returning my money, but they refuse to make it right.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

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 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC (GA)

WAKEFIELD & ASSOCIATES , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Request for Removal of Collection Account due to not being licensed to collect in the state of Georgia Dear Sir/Madam , NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

I am writing to request the removal of a collection account [ XXXX ] that has reported to the credit bureaus regarding a debt that was discharged in my recent bankruptcy filing. The bankruptcy case number is [ XXXX ] and was finalized on [ XX/XX/XXXX ]. 

As per the United States Bankruptcy Code, any debts that are discharged in a bankruptcy case are legally forgiven and the debtor is relieved from any further obligation to repay them. Therefore, the collection account that [ WAKEFIELD & ASSOCIATES ] has placed on my credit report should no longer be reported as it is in violation of the Fair Credit Reporting Act. 

I kindly request that you promptly remove the collection account from my credit report to ensure the accuracy of my credit information and to comply with the law. Failure to do so may result in legal action being taken against [ WAKEFIELD & ASSOCIATES ] for violating my rights as a consumer.

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the collection account in writing. 

Thank you for your anticipated cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I booked and prepaid for a rental car via Chase XXXX from XX/XX/XXXX through XX/XX/XXXX. When I went to pick up the car, it was not available and I was not given a car and I was not issued a refund. 

When I returned to the US I called Chase to request a refund. They told me they would submit a claim with their contractor and get back to me on XX/XX/XXXX. No one followed up. 

I called again on XX/XX/XXXX. This time they told me I had to submit a claim through the contractor ( XXXX ). After several hours on the phone with XXXX, I was directed back to Chase. 

On XX/XX/XXXX, Chase submitted a claim with XXXX and told me I would receive an update on the claim status within 20 business days. I never heard back. 

On XX/XX/XXXX, after 22 business days I called Chase again. They told me the claim was put on hold on XX/XX/XXXX, but they called the contractor and told me they would receive an update and then update me in 72 hours. I asked them to issue the refund for the service not rendered and they repeatedly refused. I was put on hold, hung up on and never called back. I called back again on XX/XX/XXXX and they again could not resolve my issue. I was lied to and told the representative was talking to her manager but then she admitted she was simply talking to another person in her same level ( supervisor ) in another department. 

All we want is a refund of {$860.00} for the rental car we never received.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-06
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: Shellpoint Partners, LLC (WA)

On XXXX, XXXX and XXXX XXXX entered into a loan agreement with XXXX XXXX XXXX XXXX XXXX for a home loan to purchase a 1997 Manufactured home. The loan was for $ {$130000.00} to be paid over XXXX. The XXXX 's did have a deferment at one point and had brought themselves current, though they have lost the check that verifies they made that payment, the payoff statement still shows them owing roughly $ XXXX  ( that includes the deferment amount owed ). There is only XXXX remaining on the loan and the payments are {$850.00} a month. They pay the monthly payment consistently now and have been and I have documents to show. The statements still show at XXXX interest payments higher than the principle payment. At this point in a mortgage payment schedule the principle should be being paid most of the monthly payment. We requested and amortization schedule to prove they owe the amount that Shell Point ( the company that is now servicing the loan ) but we did not receive. We received the payoff statement which I do not believe is correct. Upon reviewing documents, it appears the XXXX  may be being taken advantage of at this point. They have gotten no where with Shell Point, the Attorney General and have not found an attorney taking new clients. I have a payment history from Shell Point but need to see the amortization Schedule to be sure of the actual amount owed and have Shell Point provide a proper payoff or show how they are going to pay the remaining amount off in XXXX.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Denial & TransUnion Reporting - Rental Application XXXX  : XXXX To Whom It May Concern, I am writing to formally dispute the decision of denial regarding my application with XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also am reporting TransUnions unjust denial and overall incorrect credit reports that has inflicted significant damage upon my financial, mental, emotional, and physical well-being and placed my familys housing situation in jeopardy. 


Updated message ; I have became homeless for approximately 5 months now. I have lost peace and sanctity in my marriage because of not being able to provide housing, although I have the funds and good credit. 
Although I have great credit with other bureaus and saved adequate money, Transunion continues to neglect to correctly update and report the widely used transunion tenant screenings. Resulting in my family and I falling deeper into homelessness.
Consumer complaint received 2024-05-18
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. (MO)

This account was charged off on the following date XXXX. Since then the account has reportedly been updated as payment. A charge off account should not include an active payment history. The inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account rights. I am demanding a deletion of the following account. 
Account Name : XXXX Account XXXX
Consumer complaint received 2024-05-17
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. (NJ)

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 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

I mailed a personal check from my Wells Fargo checking account to buy out a leased car from XXXX XXXX XXXX. The check was sent on XX/XX/2023. The check was made out to a business name ( XXXX XXXX XXXX ) in the amount of {$19000.00}. Wells Fargo contacted me on XX/XX/2023 and informed me that they discovered unusual activity on my account that they believed may be unauthorized. 

After looking into this, I determined that the check was stolen, fraudulently signed, and cashed on XX/XX/2023. I then filed a fraudulent check claim with Wells Fargo on XX/XX/2023. On XX/XX/2023, I received an Affidavit of Check Fraud by mail from Wells Fargo. I completed and submitted this Affidavit on XX/XX/2023 at a local Wells Fargo branch. 

On XX/XX/2023, I received a letter by mail from Wells Fargo stating that they were working to obtain a refund of my money from the bank that accepted the unauthorized check and that this process may take at least 90 to 120 days. Also, this letter stated that if Wells Fargo does not receive money from the other bank, they would send me copies of documentation related to my claim. This indicates to me that my refund is not guaranteed and is contingent upon Wells Fargo retrieving money from the other bank. 

I called Wells Fargo multiple times asking them to help get my refund sooner but each time their representatives just reiterated the information from their XX/XX/2023 letter and said there was nothing else they could do. 

I also filed a complaint with Wells Fargo on XX/XX/2023 about their lack of both transparency and timeliness in addressing this matter. I received an email from them on XX/XX/2023 confirming the receipt of the complaint. Per that email, they were supposed to get back to me within 10 business days. However, on XX/XX/2023, I received another email from them saying that they need more time to complete their research and that they would get back to me by XX/XX/2023. 

I find the handling of this matter by Wells Fargo absolutely unacceptable. Firstly, they have failed to protect my money from fraud by allowing a criminal to easily steal it. I would have expected Wells Fargo to have much stronger and more proactive controls in place to prevent fraudulent activity, especially as it relates to such a large amount of money. Secondly, I am very disappointed with Wells Fargo 's lack of transparency in communicating the status of my case. Finally, I am extremely frustrated with their complete lack of urgency in providing a refund for my stolen money in a reasonable timeframe ( which should be much shorter than 90-120 days ). I need help with having Wells Fargo refund my stolen money.