davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Holloway Credit Solutions (AL)

I am not liable for this debt of {$1100.00} with Holloway Credit Solutions. Holloway Credit Solutions account number is unknown. **** I do not have a contract with Holloway Credit Solutions. They did not provide me with the original contract as I requested with my wet signature and ID verification.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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 XXXX / Account XXXX XXXX. XXXX Bank # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Bank XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX Services # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 XXXX 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 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant XXXX  and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-10-10
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. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, 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. (TX)

EXPERIAN is obligated by the FCRA to report accurate accounting. I, the consumer, have advised ALL the inquiries reported were fraud. Said company had four ( 4 ) days according to LAW to remove such items. I have filed a FTC fraud report in this regard. I, the consumer, is now requesting EXPERIAN to provide the documentation used to determine whether the inquiry was indeed authorized by the consumer. EXPERIAN has fifteen ( 15 ) days to provide me with the name of the person spoken to, documentation used, signed application with my wet ink signature. I am NOT asking for an e-oscar report and if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EXPERIAN XXXX : XXXX. With an address of XXXX XXXX XXXX XXXX XXXX CA XXXX United States and headquartered at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore, I will be filing form 211 treasury omb forms to audit said accounts. EXPERIAN is securitizing consumers data yet refuses to provide me a copy of my CONSUMER FILE, NOT CONSUMER REPORT.
Consumer complaint received 2023-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A. (PA)

This complain is against XXXX XXXX XXXX XXXX XXXX due to her covering up for PNC Banks misconduct for temporary blocking me from having access to my Bank Accounts. Despite the repeated contact attempts she has not responded to any of my return calls
Consumer complaint received 2023-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (GA)

XXXX has furnished inaccurate information on my credit report. The alleged debt is charged off and PNC never sent me my XXXX form. 


below attached is the proof of inaccurate information reporting on my account. 

They are also in violation of 15 USC 1681e ( b ) ( b ) Accuracy of report 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.
Consumer complaint received 2023-12-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (CT)

Goldman Sachs Bank XXXX XXXX failed to follow my instructions to close a XXXX account and transfer the balance to my linked external account. My XXXX  account reached maturity on XX/XX/2023. I called on XX/XX/2023 and gave instructions to close it at maturity and transfer the balance to my linked account at XXXX XXXX XXXX  ( XXXX ). The rep went over the details and asked me to verbally authorize. I did. 
On XX/XX/XXXX, XXXX days after the transfer ought to have occurredI discovered the funds were not in my XXXX account. I contacted XXXX and was bounced around by reps and specialists for more than two hours. 
When the last rep said she would submit my case for review which would take one to three days, I asked for a supervisor. The supervisor, XXXX, said the issue was something to do with verification of my XXXX account. That made no sense. I have statements from XXXX that prove my account at XXXX was verified months before ; and, when I gave instructions to close a CD account that matured XX/XX/2023, the funds transferred to my TSB account without a hitch. 
I suggested that the supervisor look at the XX/XX/2023 closing and transfer to XXXX as well as the verification that preceded it ( XX/XX/2023 ). I had no dealings with XXXX between that time and my XX/XX/2023 call to close the XXXX maturing XX/XX/XXXX so there was no reason or occasion for anything to change. The supervisor offered no explanation as to what went wrong. She expedited the XXXX closing and the funds appeared in my XXXX account XXXX XXXX days after they should have. 
XXXX submitting this complaint in the hope that the CFPB will take action to protect others from similar mistreatment. Consumers should not have to fight for what is rightfully and legally theirs. Had I not put myself through customer service XXXX, XXXX would still have my money.
Consumer complaint received 2020-03-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

The origin of this paypal account was the result of a refund from a XXXX gift card that could not be redeemed online. The company indicated that Paypal was the only way I could be refunded, so I opened a paypal account. 

Now to the issue at hand, on XX/XX/2020 at XXXX I received an email from Paypal informing me of unusual activity on my account coming out of XXXX XXXX , CA . 

I knew the transaction was unauthorized, because i had not authorized or requested payment from the paypal account. Upon further review, I realized that XXXX RUB to a foreign name ( I can't even spell using this keyboard ). The email address associated with the transaction was XXXX The total amount exhausted the account of the XXXX dollars that was in there and I was charged XXXX dollar for the transaction. 

I attempted to contact paypal by phone, however due to COVD -19 crisis there were no live operators to help. They instructed me to log into my account. However, I could not log in to my account due to an added authenticator code which I have no idea what it is and there absolutely no way around it without live support. So, I figured I out that I could request a claim for the unauthorized payment by phone. 

The first claim number was XXXX. I received a standard acknowledgement by email stating they would look into the claim and notify me within 9 days. i received a denial with the following reason " We found this transaction is consistent with your paypal history. '' My question is, What history? i never purchased anything with this paypal account and it was only opened for a refund. 

I sent a reply to explain further, but I still only got an automatic response to login to dispute or mail in to request documents. So, I made another claim via phone with the number of XXXX. This time I was denied because they were " unable to the locate the transaction. '' Would you please assist me in having my XXXX dollars refunded. I had not made any online purchases on or before that date using a paypal account that I can't even access. Just for the record, I live in XXXX, IL. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-12-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (NY)

I received a letter in XX/XX/2023 letting me know that I had not been provided accurate information regarding my student loan account and that I may have incurred a financial impact due to this issue. I was then sent two separate {$25.00} checks as " compensation. '' However, there are no details about what information was not portrayed accurately, how this impacted me financially, or anything else. I am able to apply for additional compensation according to the letter, but I have no details about what inaccurate information was provided to me, nor do I have any idea of how I was financially impacted. Therefore, I have no way of knowing what I could ask for from additional compensation. The letter is vague and does not contain pertinent information necessary to proceed.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Despite providing my current online login information, CapitalOne will not allow me access to my account unless I provide them my cell phone number. 

They state, duplicitously, that this is necessary to verify me. I say 'duplicitously ' because they can verify my identity in MANY other ways aside from my obtaining my mobile phone number. As is plainly evident, this is yet another example of the now ALL TO COMMON ruse incorporated by all corporates to collect customer mobile phone information because it is the most coveted/valuable piece of customer information available from a revenue/business perspective, none of which has to do with account security. Not coincidently it also happens to be the most highly valued piece of personal information I own from a PRIVACY perspective, on that hold in extremely high regard and NOT something I share with anyone involuntarily.

The plain fact is that : 1 ) I did not agree to provide my mobile information when I signed up for the account ; 2 ) There are a host of other means by which I can be verified, including but not limited to VERBALLY ON THE PHONE or VIA email, which ironically is used for ALL customer related communications.

The fact that they restrict access to my account unless I provide them this is nothing short of extortion, plain and simple. I find it shocking and mind boggling they and others are allowed to pursue this tack without recourse. What's more, I had THIS EXACT COMPLAINT several years ago to which they conceded error and corrected.

Unfortunately corporations in this country are permitted to act with impunity and free from accountability to an egregious extent, and it sucks that our Regulators and Regulatory Structure could not care less.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am in disbelief how Transunion can keep reporting this inaccurate account on my credit report after I have notified them over and over of this inaccurate item. This is preventing me from getting an apartment for my children.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-03-16
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. (OH)

I sent out a letter to the credit companies to remove unauthorized inquires from my credit report 30 days ago, and still no response. I also sent out a demand to comply letter because they have yet to respond and not complying with their own policies in a timely manner.
Consumer complaint received 2023-10-10
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. (FL)

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NV)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Venmo regarding the denial of our claim for the incomplete and substandard work done by XXXX XXXX XXXX ( XXXX XXXX ) on our property. We paid XXXX XXXX XXXX ( XXXX XXXX ) a total of {$15000.00} for electrical, window framing, painting, and plumbing work. Unfortunately, the work was incomplete, substandard, and in some cases, dangerous. 

Despite repeated attempts to communicate with XXXX XXXX XXXX ( XXXX XXXX ), they have not responded to our calls, emails, or texts. We also discovered that the electrical work done by XXXX XXXX XXXX ( XXXX XXXX ) is not up to code and poses a significant safety risk. We have contacted another licensed professional who assessed the electrical work and confirmed that none of the work is up to code. 

Additionally, we can not find any information about XXXX XXXX XXXX ( XXXX XXXX ) 's license number that they stated on the contracts we have signed. We have contacted the Nevada Contractor License Board to confirm and find their information, but they can not find it either. XXXX XXXX XXXX ( XXXX XXXX ) also failed to complete the work within the agreed-upon time frame, which constitutes a breach of contract. 

We filed a dispute with Venmo, but our claim was denied unfairly without a proper review of the facts. We have attached picture evidence, text message proof, and signed contracts detailing the following : work not completed per signed contracts, dangerous framing work that needs to be entirely redone to bring up to code, dangerous electrical work that needs to be entirely redone to bring up to code, and the fact that XXXX XXXX XXXX ( XXXX XXXX ) lied about being a licensed XXXX. 

We are requesting that the CFPB investigate XXXX XXXX XXXX ( XXXX XXXX ) 's business practices and take appropriate action to protect consumers from their fraudulent behavior. We also request that you assist us in resolving this dispute with Venmo and obtaining a refund for the work that was not completed or done in a substandard manner. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXXXXXX XXXX
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion AGAIN FOR THE FIFTH TIME THIS YEAR has dropped my credit score XXXX points overnight!!!! I am suing for discrimination!!! This is unsustainable for me! I can not get a place to live as a XXXX veteran this is absolutely unconscionable. I transferred money to a new account to better my score NOT to have Transunion XXXX me yet again out of more than XXXX points in 1 night!
Consumer complaint received 2023-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (HI)

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX and XXXX Credit Bureau is reporting inaccurate information on LVNV FUNDING LLC. This status is damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit report. LVNV FUNDING LLC XXXX
Consumer complaint received 2023-08-31
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. (VA)

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 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 2023-10-10
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

Ref : XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Telephone number XXXX On XX/XX/2023, a letter was sent to me informing me that my home was being foreclosed on and would be sold at the XXXX XXXX, foreclosure sale in XXXX XXXX. 

On XX/XX/2023 I paid my loan in full to XXXX XXXX XXXX XXXX ( a copy of the paid file is attached ). Since I paid the loan off, I have been calling XXXX XXXX XXXX XXXX on a daily basis to ask XXXX if they have filed a legal release to my foreclosure proceeding. XXXX customer service representatives have informed me that XXXX is undergoing system consolidation or upgrade and that no information can be given on my file. Therefore, I should continue to call back in a few days. I have also contacted attorney XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, who is the trustee in XXXX handling my foreclosure. The XXXX department who simply gives you an email informs me that the foreclosure can not be stopped until XXXX XXXX XXXX XXXX files a formal release in the XXXX XXXX courthouse. 

I am requesting that the CFPB assist me in getting the loan servicer and law firm involved in this matter to remove my property from the foreclosure sale coming up on XXXX XXXX. 

I have paid what I owe on my home to XXXX. I am requesting that CFPB intervene and assist me in getting the cooperation of XXXX Mortgage XXXX XXXX and release my home that I have paid for by filing paperwork in XXXX XXXX courthouse and in turn I can get my home released from the XX/XX/2023 foreclosure sale. 

The computer issues of XXXX are of no concern to me, I have met my financial obligation and need to have my home released from foreclosure immediately. I am attaching the foreclosure proceeding and the copy of the foreclosure payment confirmation made to XXXX mortgage on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Homeowner department ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Tel : XXXX XXXX XXXX
Consumer complaint received 2023-10-30
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, has violated my rights.

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
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (SC)

This debt appears to be from a energy company. I have never had an account with this company. I have lived in XXXX XXXX for years, and this company is not located in XXXX XXXX. I have sent letters trying to resolve this with no solid solution. I need this removed from my report. I experienced identity theft and it has affected me tremendously.