davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

XXXX XXXX XXXX, XXXX, and XXXX XXXX are all the same scamming company that have accessed and unauthorizedly charged my PayPal several times over the last 6-7 months. PayPal has PERMANENTLY SUSPENDED my account for reporting this which is ridiculous considering their explanation is that there are other accounts opened in my name but they have been informed that these are not mine and given proof that they are not mine, as it is impossible that I could have opened them. See consumer financial protection bureau complaint number XXXX. 

See contact information attached for the same XXXX scamming accounts under the same company and please CALL THE NUMBER ATTACHED TO THE ACCOUNT AS THAT IS ALL YOU NEED TO DO TO FIGURE OUT IT IS FRAUDULENT. THE VOICEMAIL SAYS XXXX these people, I dont know who the XXXX they are or why they put my number on their website, they stole {$750.00} from me. Doesnt that alarm you? It should! 

Anyways, stop denying my case numbers XXXX and XXXX. Stop letting criminals steal money. Attached is screenshot proof that they are all the same company and one has an email. Im happy to withdraw from this account and make a new one but Id need your help to do that please. 

All their responses are in XXXX and that is no proof they have delivered any goods. It is just proof they have stolen and scammed people. Please stop aiding in fraud, PayPal. Youre supposed to be a respected institution. 

If an XXXX, decision-making employee could call me and talk to me about this, I would appreciate it. XXXX. 

Thanks!
Consumer complaint received 2023-12-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mid-America Accounts Control Bureau, Inc. (AR)

A year ago I was contacted by this company via a phone call. I answered and they started talking about a supposed debt from XXXX. I was confused because I had my information hacked by a data leak so I was consistently monitoring my credit report and this debt wasnt on my credit report. I proceeded to tell the person over the phone that I didnt have any debt as none was showing on my credit report and I have no information about this supposed debt. She proceeded to verbally harass me and say So what you are not going to pay a debt you owe? Youre just going to receive XXXX XXXX and not pay for it? I said No thats not what Im doing at all, I just dont any information about this debt and I would like to validate that its mine. I eventually hung up because she wasnt giving me information about the debt. I looked up my rights and realized I could ask for a debt validation letter. I called the number back and I got the same lady on the phone. I asked for a debt validation through the mail. She said they dont send information through the mail, so I asked for an email. She took my email and my address. I never received anything through the mail or through an email that was a debt validation letter. Fast forward to XXXX I received a phone call from this same company. I called them back and told him how I asked for a debt validation a year ago and never received anything. He stated they dont send anything through the mail and I said Ill check my email. I checked and I never received anything like a debt validation letter via email. He said he would send me an email. After I hung up I received an email, with just an amount and way to contact them through their website. I logged in and was able to contact them through their website. I sent an email asking them for a debt validation letter with and they replied saying it was passed the 30 days and they dont have to send a debt validation letter.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-08-25
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-01-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting Act. The bankruptcy reporting has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I asked Equifax to reinvestigate the bankruptcy they are reporting .However, they stated everything was verified and accurate. But how is that possible if I have a letter from the courts stating they didn't report my information. I have also attached the letter from Equifax stating they verified the bankruptcy with the court ( which they are lying and breaking the law ) According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (TN)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX carmax reported my account late and in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 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 2024-01-05
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. (PA)

I have recently taken steps to address inaccuracies on my credit report by instructing XXXX, XXXX, and Equifax to reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite clear inaccuracies and errors in my credit reporting, all three credit reporting agencies have declared that everything is complete and accurate. This situation is in direct violation of the mandate set forth in 15 U.S.C. 1681i ( 5 ), which requires these agencies to remove or modify accounts that are not reporting correctly. 
Furthermore, I want to highlight the importance of 15 U.S.C. 1681s-2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate consumer information to any consumer reporting agency. It is evident that these agencies have failed to comply with this crucial provision. 
I possess compelling evidence to support my claims of credit reporting violations, and I am submitting this formal complaint to the Consumer Financial Protection Bureau. My goal is to seek a resolution that ensures the accurate reporting of my credit information, aligning with federal laws and guidelines and holding the credit reporting agencies accountable for their actions.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (MD)

I started receiving several emails about a Chime bank account being opened. I authorized no such thing, nor did I open a account at any time with Chime. When I called the customer service number the lady asked to verify my information but did not seem to care that I was trying to tell her that I never opened any account with them. She said the account was closed and it would be escalated, but she was not specific as to what that meant. I want my personal data information removed from their system. Someone got ahold of my personal data and opened a checking account and Chime was just ridiculous about giving the impression that this happens all the time and telling me no resolution aside from that they will escalate it.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Termination letter Dear XXXX I, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the XXXX under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 account name - XXXX XXXX Account number - XXXX Date opened - XX/XX/XXXX account name - XXXX XXXX  Account number - XXXX Date opened - XX/XX/XXXX account name - XXXX XXXXXXXX Account number - XXXX Date opened - XX/XX/XXXX account name - XXXX XXXXXXXX Account number - XXXX Date opened - XX/XX/XXXX account name - XXXX XXXX Account number - XXXX Date opened - XX/XX/XXXX account name - XXXX XXXX XXXX  Account number - XXXX Date opened - XX/XX/XXXX account name - XXXX XXXX  Account number - XXXX date opened - XX/XX/XXXX account name - XXXX  XXXX Account number - XXXX date opened - XX/XX/XXXX account name - XXXX  XXXX Account number - XXXX date opened - XX/XX/XXXX account name - XXXX XXXX Account number - XXXX date opened - XX/XX/XXXX account name - XXXX XXXX Account number - XXXX date opened - XX/XX/XXXX account name - XXXX  XXXX Account number - XXXX  date opened - XX/XX/XXXX account name - XXXX XXXX XXXX XXXX Account XXXX - XXXX date opened - XX/XX/XXXX - [ ] 15 U.S.C 1691 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 an account without my written instructions.
Consumer complaint received 2023-08-25
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. (CA)

My credit report is showing late payment on XXXX XXXX XXXX & XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have no supplied proof under the doctrine of the estoppel by silence, Engelhart v. Gravens, ( MO ) 281 SW 715,719, I pressume that no proof of the alleged debt, nor therefore, any such debt, in the fact therefore exist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (AZ)

Last year, I set up autopay on an account. I was having issues doing so online so I called in and got some help to set it up. Apparently, it was set up to the wrong account and was pulling from the savings monthly instead of the checking account which was my original intention. This led to a payment this year being returned due to insufficient account balance in the savings account. The payment is so small, {$61.00} a month, so really making this payment is no problem for me at all. I called after I found out the payment did not go through and immediately made the account current as I have a perfect payment history on all my accounts. I had the agent switch over the auto payment system to my checking account. I thought that by the following month, it would have the subsequent payment go through as well. I also found it really misleading for the app to say XXXX XXXX and then for the payment not to be activated for the following month, leading me to think everything was good and no additional action was needed. 

I want to write in to ensure that the 21 month period 0 % APR extension offer will not be withdrawn and will be honored for this account since it seems there were some misunderstanding and confusion regarding the auto payment system that caused these late payments, rather than a lack of sufficient funds.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX of XXXX I contacted all three credit bureaus regarding inaccurate information that was reflecting on my credit report from my car insurance company. After speaking to supervisors from XXXX the account for XXXX XXXX was removed. However, after speaking to a supervisor from TransUnion and XXXX who assured me that the account would be removed, it has yet to be removed. As I am in the underwriting process this is causing a tremendous roadblock in my homebuying process. To date, I have not received a reply from TransUnion and XXXX and this account is still currently negatively impacting my score. I have made several attempts to rectify this issue with TransUnion and XXXX an I have yet to receive a response within a reasonable amount of time. TransUnion and XXXX have yet to validate the alleged debt from XXXX XXXX and has allowed this company to report two negative accounts on my credit report.
Consumer complaint received 2024-01-05
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. (FL)

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 XXXX XXXX XXXX. 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 XXXX XXXX
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached XXXX  file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Consumer complaint received 2024-04-24
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX
Consumer complaint received 2024-01-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC. (TN)

I have called Ally Direct multiple times throughout the year of XXXX. I lost my job and was struggling to make the payments at times. Each time I called this company I was placed on hold for more than 2 hours. Crazy right. Once I finally got ahold of someone that couldnt process my request for an extension. Stating their computer system was down call back in an hour. 
I understand my car payments is late since XXXX but no one is helping, now I have a letter for repossession plus a threat for future late payments could cause repossession without a notice.
Consumer complaint received 2024-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

The lack of response and resolution has had severe consequences on my ability to access fair credit terms and pursue my financial goals. This lack of progress is not only frustrating but also constitutes a violation of my rights under the Fair Credit Reporting Act. Moreover, it appears that some of my requests for information updates have been outright ignored. However, there has been no response or action taken on your end to address these concerns. 
XXXX XXXXXXXX XXXXPLEASE UPDATE!!! 
XXXX XXXX XXXXPLEASE UPDATE!!! 
XXXX XXXX XXXX PLEASE UPDATE!!!. 

I demand immediate action to rectify this situation. Specifically, I expect your agency to : Conduct a comprehensive and diligent investigation into the inaccuracies I have previously reported. 
Remove any inaccurate information from my credit report promptly. 
Provide me with written confirmation of the corrections made and an updated credit report reflecting these changes within 15 days of receiving this letter.
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (NY)

I keep sending numerous sets of letters to Equifax so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let this misleading account affect my credit score. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-29
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC. (CA)

I obtained a loan from Exeter Finance Corp with an interest rate of 22.9 %. After making approximately 12 months of payments I began the process of purchasing a home and secure a mortgage. I was informed that my auto loan with Exeter contained a outrageously high interest rate, high payment, and the vehicle had around {$5000.00} dollars in negative equity in the vehicle. I was informed by lenders, my legal counsel, and the veterans home loan association, that I would still be able to obtain loan provided Exeter reported correctly and only reported a repossession to the credit bureaus. Exeter has wrongfully reported that I was late in paying on my account, and has subsequently caused me to insure a financial loss of {$30000.00} dollars. After speaking with XXXX, in the escalations department and offering Exeter a settlement offer, XXXX told me I would receive a call back from XXXX XXXX, however, I never did.
Consumer complaint received 2023-09-15
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. (CA)

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.