davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

The XXXX XXXX keeping reporting inaccurate information on my credit report about this account down below is the letter i sent them but still saying they verified the account when it hasnot been updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX @ Experian Consumer Assistance XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute Regarding XXXX XXXX XXXX XXXX Account Dear Experian Consumer Assistance, I am writing to formally dispute the information on my credit report related to the XXXX XXXX XXXX XXXX account. The account is currently listed as closed with a balance of {$7300.00}, and it is negatively impacting my credit score.

I have several concerns regarding this account : XXXX. **Inaccuracy of Reporting : ** XXXX  XXXX XXXX XXXX XXXX account is inaccurately reported as active, even though it was closed. The status of " Account charged off '' with a past due amount of {$7300.00} is incorrect, as this account should have been closed in XX/XX/XXXX. 

XXXX. XXXX XXXX : ** Despite my previous disputes, the information remains unchanged. The completion of investigations indicates a persistent disagreement, and I request a thorough reevaluation of the reported details. 

XXXX. **Violations of Fair Credit Reporting Act ( FCRA ) : ** I am aware of my rights under the FCRA XXXX and it appears that the reporting of this account XXXX be in violation of the Act. The inaccurate reporting has caused me financial harm, and I intend to use every consumer protection law available to rectify this situation. 

I kindly request a prompt and thorough investigation into this matter. Please provide me with the results of your investigation and any actions taken to correct the inaccuracies on my credit report. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (NV)

I can't remember when, I think it was 4 or 6 months ago I logged into my Amex saving account & it prompted me to change to their new site. 

Ever since then I have had NOTHING but problems.

1. The list of accounts along with my nick names is missing. Now it only shows you one account number at the top & that's it, there's no longer any list of my accounts. 

I complained about that on that date as well as the last time I called on XX/XX/XXXX, & now again tonight. 

They STILL haven't fixed it. 

2. Then I went to transfer money from my external bank account to one of my amex savings accounts & the drop down menu doesn't work when I click on it. I tried it on another browser & it didn't work there. 

I complained about that on XX/XX/XXXX & asked for a manager to call me & nothing, no manager.

Same thing happened tonight & the first girl didn't know how to solve the problem. 

I've wasted hours now trying to work with these incompetent staff, & the last two times I had to get the CSR to do the transfer for me. Tonight there was no transfer done at all. 

3. Tonight I got a supervisor XXXX who then proceeds to tell me that I first have to log into the account I want to do the transfer to & then do the transfer. I'm like WHAT??? 

Are you kidding me? I'm already in the account & there's NO WAY for me to choose which account I want to do the transfer to BECAUSE you still don't have a list of account numbers along with the nick names. 

I NEVER EVER had any issues with the old site. You clicked on list of accounts, it showed you the ENTIRE LIST with the numbers along with your nick names. THIS SITE doesn't do that. 

So they now expect me to GUESS at which account I want to transfer to OR click on every single single entry & go thru 8 entries just to guess which account is which & which one I want. 

I have no way to see the entire list in one SHOT because they REFUSE to fix the problem??? 

When I was getting upset ( I was NOT swearing ), XXXX then interrupts me & tells me to act professional otherwise she's going to hang up on me. 

So now Amex is telling me how I have to behave like you are my parent? I don't have the right to get upset after wasting 3 days of my life & countless hours for the last 4-6 months & then I'm threatened because you ruined the website & when you tell me I have to go around in circles just to create a transfer, I'm not allowed to get upset? 

You are trying to control my behavior & I won't tolerate that XXXX behavior. If you can't handle a customer being upset & appalled that you ruined the site, then you shouldn't be in the job of dealing with customers. 

On the last site I have been using since 2017, I never had ANY problems. I could do a transfer within 2 minutes or less. 

I want someone high up in the company. 

No one knows what's going on there, a manager never called me back the last time, & these bug fixes still haven't been fixed & I once AGAIN can't do a transfer. 

XXXX
Consumer complaint received 2018-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, I submitted a full dispute of accounts that were erroneously place on my credit report according to 605b of the FCRA with XXXX, XXXX and Transunion, yet to no avail, as they have not removed or " blocked the items '' in the determined amount of time from the congressional act.
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dyck-O'Neal, Inc. (AL)

I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2023-06-23
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: GFS II, LLC (VA)

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 GFS II LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Consumer complaint received 2023-04-20
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. (TX)

In accordance with the fair credit Reporting act XXXX Account : XXXX  XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15USC 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 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 2023-07-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AR)

In XXXX when I lost my job I got behind on my student loan at XXXX/XXXX. The loan then went into default. My loan was passed over to a collections loan company with the option that it could be repurchased by XXXX when I made 9 consecutive payments. I was also told that the 120 late finding would be removed. I made the payments and then the loan went back to the regular lender. However the 120 late fee was never removed after many requests. Finally in XXXX the loan was consolidated by XXXX. However XXXX still will not remove the 120 late fee. Recently, while checking my credit report I saw that XXXX XXXX has reactivated the loan and is saying that I owe {$13000.00} - although XXXX has purchased my loan at its in consolidation. How can my loan be in consolidation with XXXX AND owe {$13000.00} at the same time?
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit Reporting act XXXX Account : XXXX  XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15USC 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 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 2023-11-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc. (TX)

Prosper stated my monthly payment is {$200.00}. Prosper also stated enclosed it is {$330.00}. 

XX/XX/2023 was the date of Debt validation request. By law, Prosper exceeded the FDCPA 30 day required time period substantially.

Prosper failed to maintain records, harassing me with repeated calls, reminders, emails, warnings, and incessant messages by text. Prosper did so while in parallel providing no response to my emails. 

I maintain recordings of admissions that this occurred, emails- inbound and outbound- to verify the same. 

Having made good faith efforts to resolve originally to find no congruent records of any agreement, I responded about this once. Prosper aggressively addressed this with a presumptive conclusion that I seek some " debt validation letter '', to which the records reflect is nonsensical. 

This is further harassment, delay, and mischaracterization of amounts owed. Prosper has included a derogatory note against my creditworthiness without any notice of understanding. They have not explained nor been able to validate autodebits from my checking account, now in excess of {$800.00}. 

They hang up all calls saying a resolution occurred. Never once has the actual resolution occurred. They have lied 100 % of the time, and this is not hyperbolic. 

I can not be more clear on my requests.

Enclosed is the last communication from Prosper purporting that I owe some recurring monthly debt balance prior to agreement. This is fraud, deception, both, and harassment in my observation.
Consumer complaint received 2017-05-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Big Picture Loans, LLC (GA)

I had a previous loan with them that I paid off   XXXX    . I reapplied yesterday  X/X/17    for a new loan of {$900.00}. I received an email stating I was approved and the money would be in my account today. However, my husband also has a loan with them and now they are putting the  XXXX  accounts together and state I can not have a loan. My husband and myself called to try and get the  XXXX  accounts separated, but they keep messing them up. They then called me today and said I have to verify my bank account. They ask for my full social, my address, my date of birth and my email address to validate my account. I do not agree with that. I want to report them.
Consumer complaint received 2021-10-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

A couple months ago, I noticed an additional savings and checking account appeared on my online banking app from Wells Fargo. I never opened them. When I called them they refused to close them and said they'd deactivate them and monitor them. After several more phone calls they finally agreed to close them- they didn't, they sent me emails and letters saying the accounts were closed but when I went into a branch office today to close my actual accounts, they advised me that those fraudulent accounts were still opened, just deactivated. 
I told them to close all of my accounts as I no longer want anything to do with them. They said they couldn't close them all and I should call an 800 number tomorrow ... Saturday? 
This is fraud at its core! Wells Fargo- you're fired! This is the same behavior that you were sued for previously. The only reason you don't want to close those accounts is it was YOU that opened them without my permission! It wasn't a hacker like you claim... it was you.
Consumer complaint received 2023-11-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

Hello CFPB, I'm a paypal user, I made a withdraw from paypal XXXX my bank but I haven't received my funds in my card ending in XXXX. 
Paypal said, it shows the transfer for XXXX has been processed successfully on XXXX XX/XX/2023 to my card. 
My bank said that we did not receive or have any transfer in pending. 

Withdrawal to a card normally would take up to 5-7 business days depending on the processing speed of the associated bank. 

Until now I still did not receive the amount of XXXX, either on bank or Paypal XXXX 

Please I need your help, to follow Paypal with that problem, cause after my reserches, I found that many people had the same problem as me before. 

I also have problems to contact Paypal support, cause most of time they do not answer or give any attention or help. 

Sincerly.
Consumer complaint received 2023-11-18
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)

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.

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 seven 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 2023-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (CA)

I attended UXXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Thereafter, I made payments, first to the Department of Education, then Direct Loan Service Center/ACS . I paid off both loans in full sometime in XXXX. But, when ACS went under, an unknown, incorrect and misleading " balance due '' was sent to XXXX, then XXXX, possibly XXXX, and now XXXX. XXXX mistakenly thinks I owe {$19000.00} on one loan, and {$95000.00} on the second loan. 
XXXX can't or won't give me a history of my student debt. ACS should have all payments made over those many months from XXXX - XXXX. 

Can you help me get a history of all my payments made from ACS, so I can understand why XXXX thinks I owe {$110000.00}??? 

This is making me crazy and sick, and I can't sleep. Thank you so much for any assistance you can offer!
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

I am a victum of identity theft. A Best Buy Citi Bank account ( account ending XXXX ) was opened on the morning of XX/XX/2024. I contacted Best Buy Citi Bank that same morning & notified them of the same. I telivision set was ordered on line & picked up that same day in XXXX, NY. I live in XXXX XXXX, CA. Plwasw explain to me how someone in California is able to pick up a TV in New York. I received a letter today stating your inveigation is closed and I am responsibile for the purchase amount. Please provide me proof I opened this account & make the purchase.
Consumer complaint received 2024-04-08
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-06-21
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. (PA)

Thank you for responding to compliant # XXXX, stating that this bankruptcy should remain on my credit report. However, I have submitted additional documentation via the Experian portal and I was unable to verify if the documentation was received via upload. Please see the attached documents with several questions I have.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-12-20
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)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated or corrected immediately : 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 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 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

I acquired an auto loan with XXXX XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX the account had negative reporting. Since that instance, this company has repeatedly adjusted the account amount to whatever they want. After going through XXXX disputes with a credit repair company and myself they continuously go back in after the disputes and adjust it right back to the amount before the dispute. This is very fraudulent behavior from XXXX XXXX XXXX XXXX and it needs to be investigated thoroughly so that other consumers do not have to experience the painstaking trials I have endured with this bully bank. No company should not be able to go back into an account and change anything after a " charge off ''. The company is repeatedly doing this as to show " new '' info on my credit score and report.