davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I received a copy of my consumer report and its reporting the two accounts that I previously disputed as verified. Im requesting validation pursuant to the FDCPA 15 U.S.C 1692g of these accounts in addition to providing a description of how you certify that the information was complete and accurate. If you can not provide me with factual evidence to support how the accounts below were verified as complete and accurate, you must delete them immediately. 

NAMES : XXXX, XXXX This name is unknown and does not belong to me. Please delete name and any accounts associated with this name. 


XXXX, XXXX This name is unknown and does not belong to me. Please delete name and any accounts associated with this name. 


XXXX, XXXX, XXXX  This name is unknown and does not belong to me. Please delete name and any accounts associated with this name. 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NY XXXX this address is unknown. Please delete this address and any account associated with this address. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX this address is unknown. Please delete this address and any account associated with this address. 

INQURIES : XXXX  XXXX XX/XX/XXXXXXXX  This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 

XXXX XXXX XX/XX/XXXXXXXX  This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 

XXXX XXXX XX/XX/XXXX This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 

XXXX XX/XX/XXXX This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 

XXXX XX/XX/XXXX This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 

XXXX XX/XX/XXXX This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 

COLLECTION : XXXXXXXX XXXX Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NJ)

I started my student loans in XXXX. I am currently in PSLF. I do not believe my count is correct. I have spoken to Moehla about 15-20 times regarding my loans since XXXX of this year. They have told me to contact Federal Student Aid to inquire about the discrepancies. Mohela has acknowledged to me that I am missing payments and the update to my account through IDR one time update. Last Friday, I spoke to a customer service operator, and he asked me questions about my account and said that he does see that I am missing payments. He assured me that it would be fixed by Tuesday of this week. I contacted Moehla again on Tuesday. My payments keep coming back to me, but my account and routing numbers have not changed in over ten years. I finally sent them a check through my bill pay because I will be late on payment soon. The customer service operator told me that the previous customer service operator could not of told me the truth about my account because they can't see before XXXX ( the year that I signed up on FSA and they consolated my loans ). I was told to contact FSA again, which I did, but the operator would not offer me any assistance. I feel like both companies/ organizations are telling me to contact each other, both not offering any correct assistance to me. I downloaded my data off of FSA and it did show that I have over 130 months in repayment and over 48 months of forbearance. Any help that you can offer would be much appreciated. Thank you..XXXX XXXXXXXX
Consumer complaint received 2024-04-11
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I submitted an email confirmation with information from the original creditor stating that they agreed to cancel contract due to not completing the project. I also submitted my cancelation of services to the original creditor. Also the original creditor was XXXX XXXX and they went bankrupted. 

Dividend tried to get me to consult with a new company they provided to complete the project and I declined. This project until this date has not been completed.
Consumer complaint received 2023-10-08
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. (GA)

Subject : Dispute Letter for Unauthorized Hard Inquiries on my Credit Report Dear Sir/Madam, I am writing to dispute certain hard inquiries listed on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) in U.S. CODE 15 U.S.C. 1681 et seq. Section 604 specifically addresses the permissible purposes for obtaining a consumer credit report, and I believe that the inquiries listed on my credit report were not made with my written authorization. 

Here are the details of the unauthorized hard inquiries on my credit report : Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account XXXX : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : XXXX  Account Number Associated I have not applied for credit or authorized any of these companies to access my credit report within the time frame these inquiries were made. As a result, I am formally requesting that you investigate the accuracy and legitimacy of these hard inquiries and, if they were made without proper authorization, remove them from my credit report in accordance with the FCRA. 

Please provide me with a copy of my updated credit report once these unauthorized inquiries have been removed, as required by the FCRA. Additionally, I request that you provide me with a written explanation of the results of your investigation within the statutory time frame. 

I kindly request that you initiate the investigation process as soon as possible and notify me of the results within the 30-day period stipulated by the FCRA and provide me with the proof you obtained as required by U.S. CODE 15 U.S.C. 1681 et seq. Section 604. 

Under the FCRA, you are obligated to ensure the accuracy of the information contained in my credit report. Failing to do so can result in legal consequences, and I trust that you will handle this matter promptly and in accordance with the law. 

Thank you for your prompt attention to this matter, and I look forward to receiving confirmation of the removal of these unauthorized hard inquiries from my credit report.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  Capital ONE XXXX XXXX XXXX, UT XXXX XXXX Re : Dispute of Late Payments on Credit Report - Violation of Connecticut Fair Credit Laws To Whom It May Concern, I am writing to dispute the late payments listed on my credit report that I believe are in violation of the Connecticut Fair Credit Reporting Act ( Conn. Gen. Stat. 36a-694 et seq ). I am deeply concerned about the accuracy and fairness of the information that has been reported on my consumer credit file. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX CT I have recently reviewed my credit report from your agency and discovered multiple late payments that have been reported by my creditors. However, I contend that these late payments are not accurate representations of my credit history and, therefore, should not be included on my consumer credit report. Specifically, the late payments in question are regarding transactions that, in my view, do not meet the criteria for inclusion in a credit report, as stipulated by the Connecticut Fair Credit Reporting Act. 
Under the Connecticut Fair Credit Reporting Act, certain transactions should not be reported on a consumer 's credit file. Late payments, in my understanding, should only be reported when they pertain to actual credit obligations or debts. In my case, the late payments in question do not correspond to any credit or loan obligations. These late payments are the result of transactions unrelated to credit agreements, such as fines, fees, or other non-credit-related charges. Therefore, they should not be included in my credit history, as they do not accurately reflect my creditworthiness. 
I kindly request that you investigate this matter and promptly remove these erroneous late payments from my credit report as per the Connecticut Fair Credit Reporting Act. I also request that you provide me with a revised copy of my credit report after the necessary corrections have been made. It is essential for me to maintain an accurate and fair credit history, as it impacts my financial well-being and opportunities for credit in the future. 
I understand that the Connecticut Fair Credit Reporting Act requires credit reporting agencies to complete their investigation and provide a written response within 30 days of receiving a dispute. I hope for a timely resolution to this matter. 
Thank you for your prompt attention to this dispute. I look forward to receiving a written response detailing the results of your investigation and any actions taken to correct my credit report. Please feel free to contact me if you require any further information or clarification regarding this dispute. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XXXX XXXX sent me damaged goods, I showed the goods to another manufacture based in LA XXXX XXXX, who are the largest manufactures for this type of product in the US, and they confirmed the goods were not sewn properly and needed to be discarded. 

I sent the letter from XXXX XXXX XXXX bank of America, they denied the claim because the letter from XXXX XXXX wasn't on " Stationary '', as XXXX XXXX is a small business owned and employs minorities, he puts all his money back into his business and never saw the need to hire a graphic designer to make him stationary and yet Bank of America refused to accept this, and refused to listen to him because of this. 

In response to claim # XXXX that I previously filed with the CFPB about this, they responded by sending me an electronic message stating that they would be sending me a paper letter with an explanation as to why my claim was denied, and that if I want to find out earlier, I can call a number with an extension. 

I called the number, and extension, and left numerous messages, and never received a call back, neither did I ever receive a letter explaining the reason they denied my claim. 

I didn't follow through on this until now as this whole experience was just so upsetting and frustrating. 

Any help extended in this matter would be greatly appreciated. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-05
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL (GA)

Dear Sir, This may seem a little complicated, but I have three finance plans with PayPal Credit. Two of these are six month finance plans, where the balance needs to be paid off in six months or accrued finance charges have to be paid. One of these plans requires minimum payments and the other does not, which I do not understand. The third plan is a 24 payment plan with no interest. The documentation implies that 24 " monthly '' payments need to be made,

since the plan goes for two years. I sent a " test '' payment, in the amount of {$250.00} to PayPal Credit for much more than the minimum payment of {$77.00} to see how they would apply the payment. Instead of applying my payment to the first of 24 monthly payments due of {$48.00} on the third finance plan, they applied my {$250.00} payment first to the minimum payment of {$29.00} on the first finance plan, nothing to the second finance plan and the remaining balance to the third 24 monthly payment plan, essentially making me pay the first four to five monthly payments on the third payment plan. I have no problem with PayPal Credit applying my payment to the minimum payment of {$29.00}, since this was stated in the email I
received. I do not know why there is no minimum payment required on the second finance plan, which troubles me.

There is no documentation that I could find in the various emails I have received from PayPal Credit and there is nothing on their website to explain how excess payments are applied. Obviously, the main reason is to force individuals to pay off payment plans that do not have a finance charge and to force individuals to pay finance charges on plans that actually expire first. I told PayPal Credit that this is an unacceptable practice and I consider this to border on fraud.

Fortunately, I am a CPA and I am more than capable of paying the entire balance due right now, if I wanted to. However, if PayPal is going to give me the opportunity to take advantage of six month or even 24 month payment plans, I will do that.

My biggest problem with PayPal Credit is that their emails and statements are very confusing and, in m opinion, grossly misleading. Please keep in mind that I am a CPA. PayPal Credit needs to make their documentation a lot more clear and it has to be
consistent and all payment terms need to be spelled out. I am not necessarily doing this for me, because I already know how to play their game. I am doing this for others, who may be stuck in the same type of situation and don't know any better. This is where I would like the CFPB to get involved and start asking the same questions I am asking PayPal Credit. I would like to attach a copy of my letter to PayPal Credit to this complaint.
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.
Consumer complaint received 2023-10-12
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. (NJ)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

The payment information that XXXX XXXX has listed on my credit report is not accurate. I have been reported delinquent by XXXX XXXX from XXXX XXXX  XXXX through XXXX XXXX XXXXXXXX while going through a loan modification. I am reported as being 120 days delinquent on my mortgage payment. 
In XX/XX/XXXX XXXX referred me to XXXX XXXX XXXX for mortgage help as I was struggling due to lost wages, rising costs, health issues, and my daughter 's mental health costs. XXXX recommended I request a Loan Modification through the CARES ACT in XXXX XXXX XXXX. XXXX XXXX walked me through the process of requesting this modification. XXXX called XXXX XXXX with me on the line to help clarify why I would qualify for this modification under the CARES Act. I received the paperwork for the modification at the beginning of XX/XX/XXXX. The paperwork clearly stated to make 4 payments of XXXX over the next four months. I contacted XXXX XXXX and XXXX several times to clarify and make sure I was doing the right thing and would not mess up my credit. I was instructed to follow exactly what the loan modification letter stated to the letter. I made my 4 payments of XXXX on these dates : XX/XX/XXXX, XXXX, and XX/XX/XXXX. ( I received final approval paperwork in XXXX which I signed/got notarized and returned to XXXX XXXX XXXX. ) While I waited for the finalization of my modification I made XXXX, {$1000.00} payments on XX/XX/XXXX and XX/XX/XXXX. By XXXX the modification paperwork was finally approved ( NOTE : XXXX XXXX re-sent the modification paperwork to me in XXXX. They said I didn't need to have the document notarized. I called XXXX XXXX from the notary and a customer service rep spoke with the notary and told them where to notarize the document. XXXX XXXX stated that by having the document notarized I had defiled the paperwork and it was no longer valid. I had to re-submit all paperwork again. ) XXXX XXXX had been reporting me as delinquent on my account during this entire time this delay only added to their delinquent reporting. I made a payment of $ XXXX on XX/XX/XXXX. 
I was told this would not impact my credit. It was my understanding that I qualified for a loan modification under the XXXX XXXX. That is what XXXX and I had discussed when requesting the modification with XXXX XXXX. I made all of my payments on time if not a day or two early. I have all the banking statements to prove this. I've sent them to XXXX XXXX and several credit reporting agencies. XXXX XXXX has further dinged my credit report adding additional months late?!?! 
I am asking that my credit report be updated to reflect my payment history including the grace I was promised through the CARES act. I could not work my second job, had a XXXX XXXX, was struggling with the rising costs of everything and my daughter mental health plummeted during Covid and her care was costly.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX XXXX, and I am taking the time to compose this message. It has come to my attention that there have been several counts open using my personal information fraudulently. The listed accounts in this document are not mine and should not be reflected in my report. According to 15 US Code section 1681-C-2, a consumer reporting agency shall block and remove the reporting of any information in the file of a consumer that the consumer identifies that this information resulted from alleged identity theft. I am demanding the removal of these accounts immediately. ADDITIONAL UNAUTHORIZED HARD INQUIRIES TO BE REMOVED : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (IL)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
Name-Jefferson Capital system Amount - {$770.00} XXXX XX/XX/XXXX Name-XXXX XXXX XXXX Amount- {$0.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-10-12
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. (IL)

I uploaded and mailed an Identity Theft report along with a personal handwritten letter pertaining to my complaint pursuant 15 USC 1681 C-2 ( Identity Theft/ Block ) with all required prerequisites for blocking. Experian claims they did not receive an upload even though the system upload was successful. Several accounts were listed as fraud and 86 addresses as well as 4 different social security numbers. This is nothing more than a refusal to comply and a stall tactic. Therefore, I am requesting all accounts identified as fraud related be blocked immediately according to federal law. XXXX XXXX rejected the process to initiate a claim with documentation being received. They stated the information was not sent by me, even with personal handwritten letters. XXXX has extorted all documentation that was included with my packet, including my personal identification such as Social Security Card and Drivers License.
Consumer complaint received 2021-08-05
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. (IL)

These bureaus are falsely reporting alleged debt which is a FDCPA section 807 violation 15 USC 1692e. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FRCA
Consumer complaint received 2023-10-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management (NJ)

I have submit a dispute to the credit bureau, for this medical billXXXX XXXX XXXX XXXX keeps being reported on my credit over an over every month. Submitted dispute threw credit karma to all three credit agency. No action has been taken. I can not pay the bill for XXXX dollars plz help me Remove this permanently