davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
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. (FL)

I checked my credit report and found that some of the data were incorrect. The XXXX  credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I used PayPal to pay {$640.00} for concert tickets at XXXX ( 3rd party seller ) and used the pay in 4 payments option which gets deducted from my checking account via Paypal. When I selected my tickets I made sure that I selected ( as shown in attachments ) General Admission PLUS. When I received my tickets I received General Admission ( basic ). I called XXXX and they stated it would take up to 48 hours to resolve but the concert was in 3 days so I said I could not wait that long. The 3rd party seller also tried to give me a 30 % discount which I did not accept because of the lower quality of the tickets. I called Paypal to open a claim so they would not pay the seller. After opening the claim the 3rd party seller stated that they would refund me the money if PayPal would close the claim. When I asked PayPal they said not to close the claim or else I would not be able to get my refund. I did exactly what Paypal advised me and did not close the claim. I sent all the attachments included in this claim to Paypal and they denied my claim 2 times. I spent more than 10 hours on the phone trying to fix this issue but at the end Paypal did not find the claim in my favor eventhough I took their advise not to close the claim. If I would have closed the claim the seller would have refunded me the money. I included all the proof via attachments. In essence I received the wrong product and even though I sent Paypal all the proof they ended up deducting all the payments from my checking account. I included the seller 's email which states they would have refunded me the money if I would not have listened to Paypal not to close the claim so I'm pursuing a refund of {$640.00} for not receiving the tickets I purchased and Paypal should have found the claim in my favor with all the evidence I sent them. I feel Paypal made the decision with out looking at all the proof in more detail which was arbitrarily.
Consumer complaint received 2024-03-28
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. (TN)

I would like to dispute the following items off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00} XX/XX/2019 XXXX XXXX {$5800.00} XX/XX/2019 Experian : XXXX XXXX XXXX XXXX {$5400.00} XX/XX/2019 XXXX : XXXX XXXX XXXX XXXX {$5400.00} XX/XX/2019 XXXX XXXX {$5800.00} XX/XX/2019
Consumer complaint received 2024-03-28
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. (FL)

XXXX XXXX please fix my credit report. I asked you to remove my late fees. You removed them, but you reversed them to other months why did you do that? Thats very fraudulent and thats not cool at all. This was a prepaid credit card I dont owe you nothing and you took money out of my money to pay for your late fees. Please fix this because this is fraudulent and Im gon na be reporting this to the FTC, you didnt do anything but make matters kind of worse
Consumer complaint received 2023-09-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

Opened account with capital one bank on XX/XX/23. Capital one closed my account for suspicious activity. Ive been calling capital one for several months to release my funds. Ive uploaded an ID for verification. I spoke with XXXX ID # XXXX and he stated they dont have a time frame as to when my funds will be released. I have several credit cards and auto loan with capital one so Im not sure how my account is fraudulent. Its now XX/XX/XXXX and still no returned phone call from the XXXX that was left on XX/XX/23.
Consumer complaint received 2023-07-22
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)

On XXXX and XX/XX/2022, In accordance with the fair credit reporting act, this creditor XXXX XXXX has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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 2023-05-06
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. (SC)

Equifax is reporting XXXX XXXX XXXX amount {$360.00} date opened XX/XX/2015. This information is outdated.
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (OK)

When I investigated my updated credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to reinvestigate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$26000.00}
Consumer complaint received 2024-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Controlled Credit Corporation (OH)

I have an outstanding balance of {$390.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that couldn't be completed due to a malfunctioning machine. Despite spending four hours troubleshooting, the XXXX  remained non-functional. I've made several attempts to dispute this charge with the hospital, but they haven't returned my calls or provided a resolution. Eventually, the debt was forwarded to a State collection agency, with whom I worked to resolve the issue. However, I recently received a letter from Controlled Credit Corporation regarding the same debt, which was supposedly resolved months ago. Unfortunately, I no longer have the specific dates or contact information as I discarded them after the initial resolution. I strongly believe this debt is invalid because no services were actually provided.
Consumer complaint received 2023-10-29
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 ( XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2018-12-21
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. (FL)

This is my third attempt to get this rectified In accordance with the Fair Credit Reporting Act Section 609, Section 611 and Section 604, I am requesting that you DELETE the following INQUIRIES as I DID NOT authorize them : INQUIRY XXXX XX/XX/2018 INQUIRY XXXX XX/XX/2018 INQUIRY XXXX XXXX XX/XX/2018 INQUIRY XXXX  XX/XX/2018 INQUIRY XXXX  XXXX XX/XX/2018 INQUIRY XXXX XXXX  XX/XX/2018 INQUIRY XXXX XXXX XX/XX/2018 INQUIRY XXXX XXXX  XX/XX/2018 INQUIRY XXXX XXXX XX/XX/2018 INQUIRY XXXX XXXX XX/XX/2018 INQUIRY XXXX XXXX XX/XX/2018 INQUIRY XXXX XXXX   XX/XX/2018 INQUIRY XXXX XXXX XX/XX/2018 Furthermore, In accordance with the FCRA, I request A detailed explanation on how you conducted your investigation, the names and addresses of the businesses you received your information from in relation to the investigation. I request all of this information within 30 days. Also, I would like a corrected copy of my credit report! 
Sincerely,
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NV)

I wrote a check on XX/XX/2024, the check was never received by the law firm. I called on XX/XX/2024 to cancel the check for my business checking account. I was told I had to call every 6 mos indefinetly for the rest of my life since the stop payment expires every 6 months. So if this check is never found, I will have to call every 6 months for a stop payment. This is excessive and the stop payment should be honored indefinetly.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I didn't authorized these accounts on my credit report. 

XXXX XXXX XXXX  Inquired on XX/XX/23 and XX/XX/23 I, XXXX XXXX, didn't give the right to pull my consumer report. There isn't any written permission from me. I want the inquiries deleted from my consumer report. 
So, if you said I gave you permission, but I am asking, you know, for the document, where 15 USC 16 ad one b two says that I gave you that written permission and you can not provide a document. That equals identity theft. 
Under 15 U.S.C. 1681n - U.S. Code - Unannotated Title 15. Commerce and Trade 1681n. Civil liability for willful noncompliance, it says : " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' I demand it be removed from my credit account immediately. I do prefer a cash check please. 

Collection : XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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. 

I demand the collections be removed from my account immediately.
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-08-30
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. (TX)

I disagree with the findings of your latest verification on the things recorded on my credit account. I first filed a dispute on this item, and I'd want to highlight certain areas of your verification procedure that I feel need more investigation. In your answer, you said that my claim is challenged, and you requested VALIDATION and PROOF OF CLAIM of the purported debt in compliance with the Fair Debt Collection Practices Act. Furthermore, as a consumer exercising my designated remedy and as the original creditor, I recognize that my request for VALIDATION and PROOF OF CLAIM is compliant with existing legislation, but I would like additional explanation and specific proof in respect to these requests.
Consumer complaint received 2018-12-21
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. (NY)

I ran my credit and notice things I had no knowledge of. I never use my personal credit for anything. I called each company numerous times which they stated it will not be reported and its still being reported. Its been over five months. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-11-21
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. (IL)

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 2024-03-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (MD)

Impacted by Covid-19, we ( myself and my spouse ) asked the servicers of our loan mortgages- the Home Mortgage and the Equity Line loan for assistance. Both sent us modification applications that were completed and emailed, on the same day, XXXX XXXX.Both servicers confirmed receipt of our applications. 
XXXX XXXX XXXX, the servicer of our Home Mortgage modified our first mortgage and was kind enough to reduce our interest rate from 4.1 % to 3.123 %. We signed the modification agreement and went for the 3-month trial period. 
Rushmore Loan Management Services LLC ( RLMS ) was unresponsive but we kept a steady follow-up, insisting on a decision. After a lengthy pause, it responded in the following way : - " Dear XXXX, This message is to acknowledge the receipt of your request for assistance based on financial impact from Covid-19. Please note there is no need to contact us, We have received your application and it is under review. We will respond within 10 days. We appreciate your patience as we work to provide you with an accurate and timely response. 
Sincerely, Rushmore loan Management Services. '' Contrary to what it promised in this message, we never received any response. Ironically, when the servicer of our first loan mortgage sold that mortgage to RLMS after its modification, in the third month of the trial period, RLMS insisted on redoing its own modification. We insisted that RLMS should honor the modification terms we signed with the prior servicer. It refused. The wait time was long and costly, but we finally got a modification close to what we signed with the prior servicer. Without acting on our application, RLMS sold our two loans to Mr. Couper of Nationstar who set up a new servicing platform, and named it Rushmore Servicing.

The inaction of RLMS was discriminatory and violated the financial regulations it claimed it adhered to. At the time of our application, the interest rate on our loan was 3 %, our monthly payment was {$160.00}, and our arrears amounted to less than {$2000.00}. 
The new servicer - Rushmore Servicer- served us intent of foreclosure. To forestall the foreclosure, we applied for modification. It came up with a staggering terms of an agreement, hiking the rate of interest from 3 % at the time of our initial application in XX/XX/2121, to a interest rate of 8.650 % fixed for thirty years, raising the the prior principal balance of {$63000.00} to {$75000.00}, and capitalizing the arrears of {$12000.00}. This will result in a fixed monthly payment of {$580.00} compared to {$160.00}, we were paying when our application was under review by the previous servicer, RLMS.
Consumer complaint received 2024-03-28
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. (SC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-08-30
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. (TX)

I disagree with the findings of your latest verification on the things recorded on my credit account. I first filed a dispute on this item, and I'd want to highlight certain areas of your verification procedure that I feel need more investigation. In your answer, you said that my claim is challenged, and you requested VALIDATION and PROOF OF CLAIM of the purported debt in compliance with the Fair Debt Collection Practices Act. Furthermore, as a consumer exercising my designated remedy and as the original creditor, I recognize that my request for VALIDATION and PROOF OF CLAIM is compliant with existing legislation, but I would like additional explanation and specific proof in respect to these requests.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (MD)

An account at Chime was opened without my knowledge. I do not believe it was identity theft because the account was opened with my address ( debt card mailed to my house ) phone number, and email address. I am not certain how Chime obtained my information, but a thief would not have a card mailed to my actual address. 

It appears to me that Chime is up to something fishy.