davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
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. (AZ)

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
Consumer complaint received 2024-01-25
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to express my concern regarding an unresolved issue with my credit report. 

Previously, I had filed a complaint about an unexpected and unjustified drop of XXXX XXXX  in my credit score. Despite my efforts to rectify this situation and the assurance from the concerned company that they were addressing the issue, the problem remains unresolved. 

The company 's response was to send me a copy of my XXXX credit report to my current address. However, this action does not address the core issue at hand, which is the unexplained and significant drop in my credit score. I believe there must be an error or misunderstanding that has led to this situation. 

I am deeply concerned about the potential impact this could have on my future financial endeavors. I am confident and determined to rectify this situation, as I believe in the importance of maintaining a healthy and accurate credit report. 

I kindly request your assistance in investigating this matter further. I am hopeful that with your intervention, the concerned company will take the necessary steps to ensure the accuracy and integrity of my credit report. 

Thank you for your attention to this matter. I understand that the process of resolving such issues can be complex and time-consuming, but I am committed to seeing it through to ensure that my credit history accurately reflects my financial behavior. 

I am hopeful that your intervention will prompt a thorough investigation into the cause of this sudden drop in my credit score. I believe that everyone deserves a fair and accurate representation of their credit history, and I trust that the CFPB shares this belief. 

I look forward to your prompt response and assistance in this matter. I am confident that with your help, we can rectify this situation and restore the accuracy of my credit report. 

Thank you once again for your time and consideration. I appreciate your dedication to protecting consumers ' rights and ensuring the integrity of our financial system. 

Best Regards
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc (TX)

On XX/XX/2024 XXXX XXXX is contacted my relative from phone number XXXX. My relative is NOT listed on my debt and they have been contacted without their consent. They no longer wish to receive calls for issues not regarding them, when I have NOT listed them on any of my accounts or references. I don't have an active phone number/phone line and was contacted by my relative on social media after years of not speaking to her. She is upset that she is receiving calls about my debt. Please stop RESEARCHING my relatives and contacting them!!!
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

The company used my non-public personal information and other private account information without my consent. I never gave the company and expressed written consent or implied consent to obtain, utilize, share, or sell any information belonging to me. The companies actions has caused me a number of damages and injuries to my finances and my personal reputation.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Merrill lynch accepted my deposit but will not return my funds and they did not send the check back because it was already cashed I have paid the other party back last year because it was a mixup somehow that has nothing to do with Merrill lynch the check was cashed with Merrill lynch and XXXX paid them .the check was rejected from the other party and not accepted because they were not supposed to try n deposit it anyway but that situation has already been handled and they have their funds but I dont I have not received anything from my check that Merrill lynch cashed n Im not stopping until I receive my funds they just disbursed them again and now I see Im going to have to get a lawyer and file a lawsuit the check was with Merrill lynch first not the other party and Im also suing the other party as well for falsified documents and lies I have a right to change my mind and thats where the discrepancy came in Merrill lynch has my funds and I want them next Im calling the IRS and attorney general my account was not supposed to be discussed with my permission anyway and furthermore the money was their for a month in a half then gone I even tried to put a stop payment but it was too late because Merrill already cashed the check they didnt return anything the other party did fraud not me and I can prove it that is my tax refund money and I want what belongs to me. Its been 13 years with Merrill lynch and my race also is a problem with them Im filing a lawsuit and the check could not have went back or funds either cause XXXX  is not accepting anything due to account closed.
Consumer complaint received 2023-05-15
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

I enrolled at XXXX last year to start fall school in XXXX. I had some pre-requisuite classes I needed to take as a result of my poor XXXX scores. Due to the cost of attending college at XXXX, I decided to dropout and enroll at XXXX. XXXX has specific instructions on how you can dropout and a dropout request can be submitted online. Due to my pre-requisite classes that I enrolled in, I was flagged as a student who was not authorized to dropout online ( something that I wasn't aware of, when I called the advisor hotline # I was told to go online to fill out dropout request ). I reached back out to the advisor general email box, sent an email on XX/XX/XXXX to explain my situation and screenshots that I couldn't drop out online, an advisor by the name of XXXX XXXX informed me I can't dropout onine and to contact my assigned advisor XXXX XXXX ( only he can submit the request I was told ). The same day I reached out to my advisor, he specifically said to send him an email with my student ID number and a statement that says " I will not be attending XXXX, please accept my dropout request ''. My advisor specifically said " I will take care of it and make sure it does get processed ''. It wasn't until XX/XX/XXXX ( after the withdrawal date ) that my advisor told me, " oh you actually have to fill this dropout form out and send it back ''. This was all after the withdrawal date, so now I didn't qualify for for full 100 % refund and now XXXX claims it is my responsibility to pay this amount, along with Conserve the debt collection agency. I submitted 2 written letters to Conserve explaining my situation in DETAIL, even sent copies of email communications from my advisor with this instructions on how to drop classes. Altought I supplied Conserve with facts, they don't actually research the dispute. They just send a copy of the " XXXX withdrawal dates " and claim my debt is valid. This has happened twice now and CONSERVE is not actually RESEARCHING my concerns. They are not reaching out to the advisors to confirm what they told me to do to succesfully drop my classes. As a result, I'm submitting a CFPB complaint against them. They are not truely a debt collection company that RESEARCHES consumer debt disputes. Please help!
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CO)

XXXX XXXX XXXX XXXX  advertised sea glass XXXX trees from XXXX. XX/XX/23 I purchased them, using my PayPal account to access finds through my bank to pay. 
I started getting spam emails offering current status of shipment across random places across the US. I filed a complaint w PayPal after researching the poor reviews/complaints about XXXXXXXX XXXX XXXX XXXX XXXX XXXX Literally, the day I sent a complaint the items arrived. Not sea-glass or even close to sea-glass like quality. They looked like a poured plastic souvenir w a hard plastic resin star fish on top. 
The PayPal dispute is still under review- unbelievable.

PayPal does not represent the consumer in these situations and these fake XXXX companies are successfully bulking money from US citizens. Where are the consumer rights? XXXX isn't held accountable? These items are probably made of toxic substances. Obviously customs or USPS isn't inspecting items mailed directly to consumers. I want a full refund and I will not be mailing them back to XXXX. 
PayPal says they have consumer protection from being ripped off. If anything it feels like they are siding with disreputable merchants each and every time there is an issue.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

My monthly credit card payment to Bank of America 's office in XXXX, Texas seemed to get lost in the mail. I had my bank- XXXX XXXX  XXXX stop payment on the two checks I had mailed to Bank Of America and issued two new checks that did make it to BOA. My account is now paid off in full. But suddenly out of the blue the original two checks I asked XXXX XXXX  to stop payment on were processed causing an account credit of {$1800.00}. I can not reach a live person at BOA to get a refund and my bank charged me for stopping payment on the original two checks but still processed those checks when they turned up late. So, I am paid up but want a refund from BOA for the double payment. But, trying to get live person at BOA to assist me has not been possible. Herding cats and communicating with the dead is easier that communicating with BOA! I just want my refund!
Consumer complaint received 2024-01-25
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (TX)

I bought a visa vanilla gift card at XXXX pharmacy in XXXX XXXX XXXX some of the numbers were missing and the bar had a scratch through it which made it un usable. I contacted them in XX/XX/2023 they said I would have a replacement within 30 days. that never happened I contacted them again in early XX/XX/2023 they said they were sending another replacement and wait 30 days. Never received it. I contacted them every month they still have not send me a card there is over {$200.00} on it and they are holding my money hostage. The company is Incomm Please help me it has been over 6 months i send questions to their email and only get a message back thanking me for submitting my documents but I didn't submit documents I was asking questions
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

What makes it so difficult for XXXX XXXX  to report my 2 credit cards as CLOSED on my Experian and XXXX reports???? Why did XXXX XXXX  report my 2 credit cards as CLOSED on my XXXX XXXX credit report but my accounts remain inaccurately listed as OPEN on my Experian and XXXX reports??? Why cant XXXX XXXX, Experian and XXXX comply with the prompt mid-cycle reporting accounts CLOSED as required by the FCRA and Metro 2 protocols??? What is your purpose to willfully violate the FCRA by knowingly report my CLOSED accounts as XXXX??? Are your employees, computers, bots and PARROTS STUPID and incompetent??? Why are each of you risking statutory damages of {$1000.00}, punitive damages and attorney fees by continuing to violate the FCRA??? Permanently DELETE my 2 XXXX XXXX accounts from every CRA immediately or face increasing liability for willful FCRA violations!!!
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I checked my email and saw that I had been sent Fast Pass tickets from XXXX XXXX  XXXX XXXX. I immediately called Wells Fargo to report the fraud. They closed out my card and sent me a new one. In XXXX ( I don't remember the date ), the charges of nearly {$780.00} were added back to my card. When I called to see why, I was told that they were added back because I had authorized the charges. I emailed XXXXXXXX XXXX  XXXX XXXX and was told that they felt like my email account was hacked and that they did not check that the person who purchased the tickets had my card or an ID even though their printed policy specifically states that they do that. I faxed this information over to Wells Fargo and had to do so twice because the first was " lost. '' I sent another fax in XXXX and was told that this one was also not received until I mentioned that I sent it from a branch. They were able to find it then. Despite XXXX XXXX saying that they did not verify the identity of the person who made the purchase and despite XXXX 's agreeing with me that email account had been hacked and despite the fact that the tickets were purchased from a computer that is in a completely different city from where I live, Wells Fargo still concluded that I authorized the transactions because XXXXXXXX XXXX XXXXXXXX XXXX said I did. Once my direct deposit from my job hits at the end of the month, I will be finding a new place to do my banking.
Consumer complaint received 2024-01-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (OR)

I sent the company, Jefferson Capital, a verification letter on XX/XX/XXXX and they never responded to the letter, I sent them XXXX letter one they responded to concerning the {$1500.00} debt and they took it off but the {$20000.00} debt they didn't responded and I sent the letter the same day. Both where sent through certified mail. They took the the small debt off my report but have left the bigger one and haven't responded to my letter.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : - XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-01-15
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. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2023 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 2024-01-15
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX