davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

XX/XX/XXXX XXXX XXXX and XXXX XXXX were deleted from my credit report as a result of a credit dispute initiated by myself. 

Since this time, XXXX XXXX and XXXX XXXX have continued to report negative inaccuracies to all the major credit bureaus causing myself to lose opportunities for home equity loans, credit cards, and more. Ive had to sell my house I was renovating, however without a bank loan, Im not able to complete from personal funds. However, whenever ai decide to apply, I see XXXX XXXX and XXXX XXXX reporting inaccuracies to the credit bureaus. The credit bureaus who deleted these accounts as a result of the investigation are also negligent in this case because they deleted these accounts after an investigation in XX/XX/XXXX. There should be no way to report accounts which have been investigated and deleted. I have sent over 15 hand written letters to all parties and these accounts are investigated and deleted but only for maybe 6 months or maybe up to a year, until they re-appear. XXXX XXXX continues to sell my personal information to debt purchasers unlawfully. These debt purchasers, along with the original creditor, has filed a 1099C for cancellation of debt, but have not provided the consumer with a copy and has continued to report the debt. This is the same for XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX. XXXX has reported to the major credit bureau on XX/XX/XXXX, they are moving my account to collections. This after the account had been charged off and cancellation of debt completed with the IRS.
Consumer complaint received 2023-11-16
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Ria Envia, LLC (WA)

An account was opened at XE under my email. I submitted all required information/personal data, including a photo of myself, the amount I expected to transfer per year, and my currency pair USD/MXN. I entered into two contracts to transfer money for legal services in XXXX, for a probate matter in XXXX for which I am the legal US representative. 

I received an email receipt for XXXX for XX/XX/XXXX. XXXX was debited from my bank account. I received an email receipt for XXXX for XX/XX/XXXX. My account was closed with no explanation given. XXXX was debited from my bank account. I phoned and waited 40 minutes ; there was nothing she could do or say. I wrote an email, and they confirmed they could no longer assist me any further, and XXXX would be refunded to my bank account on XX/XX/XXXX.
Consumer complaint received 2023-11-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: DailyPay, Inc (TX)

My company uses a service called DailyPay to allow instant transfers outside of the pay period. This most recent pay period, our check was delayed for 3 days due to an ACH issue on this service 's end. An advance of my own money ( gross pay rather than net pay without tax withholding ) was made available by this service to avoid overdraft due to the delay, but upon transferring this advance, I was told I was issued an overpayment of that exact amount that would need to be repayed before any of the rest my money could be accessed again. I spoke with customer service, who did not sufficiently explain this issue, as the dollar amount they told me was my gross pay, was not correct based on what was reported within the online service. My ticket was escalated to a supervisory figure, and I have not heard back. I received an email from this company shortly after my call with customer service stating that DailyPay would be subtracting the total of that advance from my next paycheck, although this was not the error resolution option I chose through the online service, or the one I confirmed with a customer service agent. My total earnings, which are significantly higher than the overpayment amount, are now being entirely withheld, and there is no record of having made this transfer on the mobile app, or through DailyPay 's own customer service, although it is reported in my bank statement.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

THESE ACCONTS IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
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. (NY)

THESE ACCONTS IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

On XX/XX/XXXX I sent {$100.00} from my bank account through the PayPal app on my phone to someone who was posing as a volunteer from a dog rescue. I pledged money to save a nursing dog and her puppies from the euthanasia list at a shelter in Texas. I got a notification on my phone that a rescue was taking them and pledges should be honored. So I sent {$100.00} and then PayPal charged me a {$4.00} fee. As other people were commenting, I realized that I got scammed. I called my bank they couldn't stop the money from leaving my account even though it was in " pending '' status. Then I contacted PayPal and I was told that there is an agreement between them and the bank. My bank has no knowledge of this and no one from PayPal could tell where to get this agreement. My bank told me that PayPal should be able to pull that money out of that person 's account since it was done through their app and they can see where the money went. No one at PayPal is willing to help me with this. I filed a claim and they closed it right away. I have since sent them the documentation of the scam along with the receipt of the transaction. I was told that because I paid through the " Friends & Family '' method that I do not have any buyer protection.
Consumer complaint received 2017-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I am a  XXXX  and I qualify for   XXXX   XXXX   XXXX   .  Navient has repeatedly delayed this process. I submitted the paperwork in the fall of   XXXX   and was told that I would need to wait about 90 days for the company to look over the paperwork. I asked multiple representatives if I had the correct information on the forms and was told that they did n't see any errors. I taught at  XXXX  different districts so I needed to obtain verification from both districts.   3 months later I was told that I completed the paperwork incorrectly. I was supposed to get the  XXXX  to verify my employment. So, I resubmitted my forms with the  XXXX  's signature after again verifying with the representative that there were no other errors. I again had to wait for months. I then received another denial letter stating that I filled in the loan holder name and I was supposed to leave it blank. I, once again, ask the representative if this was the only error and was told that it was. I resubmitted and waited months for a response.   After not hearing back, I decided yesterday to call  Navient  to get an update. The representative told me that there was another error with my paperwork, which they had just discovered, and again it was denied that day. They said that the dates of my employment with the districts overlapped so I need to resubmit my forms. This is the information that the districts themselves provided and again I have asked with every subsequent denial if there were any mistakes.   This has been ongoing for many, many months. As I wait to find out if it is approved I continue to pay interest on the full amount of my loans.
Consumer complaint received 2023-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (CA)

On XXXX XXXX I purchased and finance a Vehicle XXXX XXXX XXXX from XXXX XXXX XXXX and a week after I had to return to the dealership to advised them the vehicle was consuming a lot of air freezer and when driving it at over XXXX ml it loose potential and Check engine light was on all the time. I left it to them to fixed it and after 1 week they requested for me to pick up my vehicle that it did not have any issues. Continue with the problem and when again back to the dealer to get it fixed or to exchange for another vehicle. The Sales Manager XXXX XXXX when ahead and said to take it to the XXXX Dealer to get a Diagnostic he referred us with the XXXX XXXX in which they did a Diagnostic and after he got the repair amount he said he was not going to fixed it and told me to go back again for a second Diagnostic again he decline to pay for repairs. I then decided to take my vehicle to the dealer and told him I wanted my money back and my car payments I did for something they sold that they knew it had problems they did not even get the vehicle a full service when they sold it to me that was the XXXX Mechanic told me. Since I dropped off the vehicle on XX/XX/XXXX I have not received any call from the Dealer to resolved this problem. This people are doing bad business by selling cars that are defective with mechanical issues.
Consumer complaint received 2023-11-16
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: EQUIFAX, INC. (LA)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also SectioI am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. n 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards the data provided is not always accurate complete or update i demand that any wrong incomplete or unsupported material be updated XXXX - XXXX
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

An unauthorized inquiry appears on my credit report. I have contacted the reporting agency, XXXX XXXX XXXX. XXXX XXXX sent me the letter stating they'd remove the trade line from my report. The letter is attached. The confirmation of deletion is attached to this complaint.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The harassment of a debt not owed by yourself is an emotional form of identity theft in itself, I'm been held to debts inwhich I have no knowledge of. And I surely do not have a contract with the following companies, ( 1 ) XXXX XXXX XXXX for {$210.00}, XX/XX/2018, a date inwhich I was out of town anyways. According to the FCRA, I would had to have an contractual agreement with the creditor in order for me to be an responsible party. Again I have no contractual obligation to the above. As a consumer I'm requesting physical documentation of this debt. And for this one as well, ( 2 ) XXXX XXXX XXXX XXXX, XX/XX/2018. If these requirements are not met then I have no other option but to file a law suit for emotional harrassment. Again no contract with either of the above.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UMB FINANCIAL CORPORATION (MO)

I recently opened a savings account with UMB Bank in XX/XX/2023 I am now going through card restrictions the information with the cardholder service are not communicating with my actual banker at UMB Bank in XXXX  XXXX Missouri. My first debit cards I did not for almost 2 months I was told to discard a card ending in XXXX I never received such card. I would like to put a alert on my card services and please make sure there are no other accounts in my name and that no other cards debit cards have been rerouted or shipped to a different address My name is XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX
Consumer complaint received 2023-11-16
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: JPMORGAN CHASE & CO. (VA)

Attached you will find a contract by XXXX XXXX. They charged me over {$25000.00} to run an Amazon store for me and then breached the contract. They shut my store down abruptly and refuse to refund my money. I have been trying since last year to get this resolved. The owner of XXXX XXXX, refuses to answer phone calls. He is fraudulent and is stealing thousands of dollars from clients such as myself. He needs to be held liable and the Chase should be held responsible for not refunding my card, when they have admitted that my complaint is valid.
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

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 2023-11-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I am letting know that fraud has been perpetuated on me. 
XXXX XXXX XXXX has the loan of {$55000.00} on my name from XXXX XXXX XXXX ( account # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my knowledge and using my personal information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been calling calling continuously for the solar panel installations and promised many false things. - The agent came to our house in my absence met my husband and took all my personal information and promised - that the electricity bill will be reduced to {$180.00} per month from my current bill of {$420.00} per month, and we will get 30 % cash back when we file tax returns and loan is transferrable if we sell the house. 

The agent collected my personal information from my husband and got the loan approved. The edoc was sent to my husband 's email and was forwarded to the agent and he got everything done and very next day they got the solar panels installed partially and got the loan released to their company. 
When I called the city of XXXX ( provider of the electricity ) I was told they don't support the solar program and bill will not come down even with the solar panels. 

When I tried to contact XXXX XXXX- they never answered the phone The bank is after me for the loan payments. 

I have not signed any loan documents. 
Both the Finance company and XXXX XXXX and working together
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

If, 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
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon further investigation, I have retained new copies of my credit reports, and noticed that XXXX XXXX # XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, XXXX. 
I have retained a copy and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required XXXX period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the CFPB and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that XXXX, XXXX XXXX and EQUIFAX may be liable for your willful noncompliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

I am aware of your illegal practices of sending form letters in response to disputes and challenges. 
from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.

BSCF14 Terms Frequency : MISSING INFORMATION... There is inadequate information to justify a write-off status on my credit report for an account that does not even show XXXX, XXXX, or XXXX past due. this is an obvious error please delete it immediately. XXXX FCRA Compliance/Date of First Delinquency : Missing data and information. 
This account was never late and was also PAID IN FULL on time XXXX XXXX  XXXX Please delete the error.