davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN XXXX DOB XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # XXXX : I dispute XXXX XXXX XXXX XXXX  Acct : XXXX. This account was paid off in XXXX of XXXX, I have documents from XXXX to prove this car was sold. This account should not be a charge off. 
This account is now showing a XXXX balance but is showing still as a charge off. Showing 2 months as charge off. XXXX XXXX reversed a payment over XXXX XXXXXXXX then post account in negative, which is against the fair reporting act. 
This account has been removed by XXXX and I attached proof. Please delete this account. XXXX  XXXX XXXX did not report this account correct for more than a year. 

Item # XXXX : I dispute XXXX  XXXX XXXX Balance {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX XXXX XXXX agreed to. XXXX XXXX XXXXXXXX has been reporting my auto loan account XXXX. 
They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. This account has been removed by XXXX and I attached proof. 
Please delete this account. XXXX XXXX  XXXX did not report this account correct for more than a year. Account is more than XXXX XXXX XXXX. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2018-11-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

Back on XX/XX/XXXX XXXX XXXX employee ( wells fargo employee in customer service ) got back to me on all the documents i sent as requested, ) She said this would be forwarded to finance? To get my monthly payment between {$500.00} to {$900.00} dollars but never happened. 
So still under foreclosure so i got XXXX XXXX involved and sent them 33 pages of paperwork ( statements, elec bills etc ) nothing happened and still under foreclosure. 

Then i got a notice about 2-3 weeks ago that my house is up for Auction XX/XX/XXXX! 
So now XXXX is coming back to me ( working with someone from Wells Fargo??? 

I do not that anything is going to be done and i will be on the street, I can not take 5 rooms of furniture and put it in a trailer. I bought this house in XX/XX/XXXX as only 1 stair as i have difficulty with stairs XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (UT)

On XX/XX/year>, I made a payment of {$700.00} via PayPal to purchase products from a seller named XXXX XXXX. Despite numerous attempts to contact him through XXXX XXXX, the seller failed to deliver the product as promised. He even assured me of a refund, only to subsequently cease all communication. 

Approximately one month after the payment was made, I initiated a dispute with PayPal. I meticulously submitted all relevant documents, including the invoice provided by the seller, a police report, FBI report, and FTC report ( as the seller has all my legal information ) confirming the fraudulent nature of the transaction. Additionally, I provided screenshots of the conversations between myself and the seller as evidence. 

Shockingly, PayPal failed to adequately review the evidence I provided, and the seller did not furnish any evidence to support their case. Consequently, PayPal closed the dispute citing that their terms and policies do not cover " investment products. '' Despite filing a complaint with the XXXX XXXX XXXX  ( XXXX  ), PayPal has not responded to address the matter. 

I am deeply disappointed with PayPal 's failure to protect my funds and address fraudulent activities on their platform. Their terms and policies seemingly provide a haven for scammers, leaving innocent consumers vulnerable to financial losses. As a widely recognized money transfer platform, such negligence is unacceptable. 

Therefore, I am urging the Consumer Financial Protection Bureau ( CFPB ) to intervene on my behalf and facilitate the refund of my money. It is imperative that PayPal rectifies this situation promptly to restore trust and safeguard the interests of its users.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (MD)

I had an account with Ally Bank. In XX/XX/2022, my account with Ally Bank was restricted. I called to get details of why my account was being restricted and was told a depositor had recalled their deposit and that my account would be investigated. I called multiple times and each time I was told that the investigation was ongoing and could take up to 30 days and that most likely my account would be closed. I asked for more information, but could not get any more information. I asked to speak to the investigator, but could not. I asked for a call back and was told they would try to get him to call me. I did not get a call back.

I called I called again and was told that my account had been closed that day. I asked for details and was told that I would receive a letter, but did not. 

I have tried several times to have the balance of the account returned to me with no success. I was told today that any money in the account would been returned to me and the person I was speaking to hung up on me. There was in excess of {$20000.00} in the account after the money was returned to the depositor who recalled the deposit.
Consumer complaint received 2023-03-19
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (GA)

In accordance with the Fair Credit Reporting Act, U.S Dept of Education has violated my rights.

15 U.S.C 1681 section 602 A : States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-19
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: Mercedes Benz Financial Services (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare an appeal for investigation before I confer with my own counsel to obtain advice on how to handle an incorrect and unverifiable account that is keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

MERCEDES BENZ FINANCIAL XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX XXXXXXXX XXXX  allowed fraudulent transactions and charges repeatedly throughout year XXXX. All credit bureaus are reporting against XXXX police report XXXX and other evidence of the unauthorized fraudulent transactions and charges
Consumer complaint received 2024-05-04
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony Customer Service XXXX XXXX XXXX XXXX XXXX, FL XXXX Attn : XXXX XXXX Dear sir XXXX Yesterday, on XX/XX/XXXX of XXXX, I have received the past month bill, which I have already paid last month and due was XX/XX/XXXX of XXXX. The cover letter suggested that I must have asked the customer service of your company to request this document or the bill, which I paid off, was returned by the XXXX XXXX. Since both cases are not possible due to the payment I did through my bank account, not online, I request to your company why you have determined to print out the bill of cycle of XX/XX/2024 without my recognition and official request. To make simple the matter, I requested the coming bill of XX/XX/2024 cycle, even though my account has been closed with the agreement of both sides and not sure whether you have still had the right to issue the bill. I have not already checked how much I owe you personally, since your company suggested the last letter. Since my account was officially closed with agreement, I do not expect there is an account of mine ; therefore, I am not sure whether I still have the online account itself. I will check around the middle of this month. If still I have the online account, at least I notice it. The issue is I do not have the intention to pay from that portal, and I want to pay as before through my banking account ; therefore, I request you will make it possible. Otherwise, I request you will send me the legal document, XXXX. Since I strongly feel the regret and anger over the issue of reward certificates, I will not open any credit card account of your company which I can not get any usable reward. 
Sincerely,
Consumer complaint received 2018-11-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC (FL)

I was served a XXXX by Cooling and Winter dated XX/XX/2018 at my home by Process Servers. I answered the Summons well within the time frame allotted. I never heard back from Cooling and Winter after  recording my answer with the XXXX County Clerk of Court.  XXXX I visited a relative I had lived with briefly four years ago. He gave me what he thought was a stack of junk mail. However, within that stack were three separate envelops from Cooling and Winter.  They included A Notice of Hearing for XX/XX/XXXX, a Summary Final Judgement and their original Motion for Summary Judgment. It is obvious this was done intentionally by Cooling and Winter. They knew my address when filing for a Summons and they had my phone number because I called them when I received the summons. They denied me my Constitutional right to defend myself at trial. And, the court, could they not see, since I wasn't there, that two addresses were  used and if they used my relative address it should have been filed in a different County?
Consumer complaint received 2020-04-21
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: Experian Information Solutions Inc. (FL)

XXXX XXXX  XXXX XX/XX/2013 {$1100.00} sent : Deployment Paperwork, Police report and identity theft affidavit I contacted the company directly and was given the run a run, nobody wanted to assist in the matter I faxed and mailed requested docuements to the company directly along with each of the three credit bureau.
Consumer complaint received 2023-11-19
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. (TX)

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. 

XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. 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 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 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. 

These end accuracies are stopping me from the ability to buy new appliances for my home or make any major repairs needed. In addition, I was about to get hired for a new job but i was denied because of my credit issue.
Consumer complaint received 2023-02-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # ending XXXX, 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
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: Experian Information Solutions Inc. (PA)

I currently have some fraudulent inquiries appearing on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX  Inquired XXXX
Consumer complaint received 2023-10-26
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 am a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX written permission to furnish these accounts.
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. (DE)

My escrow amount changed on XX/XX/2023. 
for my XXXX XXXX my mortgage amount went from XXXX to XXXX I pay on auto draft. 
I didnt realize the change. 
I made my same payments {$1500.00} on time every month and the extra monies that were due for my new escrow were pulled from my flush escrow balance until XXXX. 
In XX/XX/2023 I got a phone call from XXXX saying that I owed a larger amount so I made a payment {$1600.00} that I understood the difference to be. 
In XXXX I auto paid {$1500.00} amount and in XXXX I auto paid XXXX but I got a call about the differential. 
I was on the phone with the bank for XXXX hour and got confirmation of my new amount. 

It was also my understanding that I had a {$25.00} dollar offset. 
So I paid an additional {$25.00} in XXXX In XX/XX/2023 I made the new payment of XXXX. 
I got a letter from my bank saying I never paid XXXX. 
I called them right away because I had the cashed check. 
They said they didnt apply the balance to XXXX/ that they held it in credit because it was {$5.00} dollars too short. 
they reported me to the credit agency
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

People are using my credit cards and charging me they have used betweenXXXX-XXXX and making me pay for it and the banks do fraud they use other money I have to make it that I got it back my money which in reality there doing fraud to they also ruined my credit score
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

There are numerous accounts that I dont recognize and never had business dealings with. Ive tried to remove them for several years but XXXX keeps allowing these companies to reappear as new. Its a violation of my privacy to start with, as I do not know these companies and have never given them authority or consent to my personal information
Consumer complaint received 2023-11-18
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: Experian Information Solutions Inc. (CA)

Experian been holding negative reporting close accounts on my credit report that I no longer need. All the accounts are closed in the negative reporting information is affecting my ability to get a house. These accounts close during the years of the XXXX which drastically affected my ability to keep these accounts open. Ive been repairing my credit ever since then, but Experian just wont remove these accounts. And to me, it isnt fair. So Im here to solve this issue. In these counts shouldnt be held on my credit report for over at nine years thats not fair.
Consumer complaint received 2024-04-16
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. (NY)

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB - XXXX  Listed below are the Accounts that are being challenged XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2022-10-23
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: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2023-11-18
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
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: Experian Information Solutions Inc. (NC)

i contacted XXXX and asked them to do an investigation into the inquiries on my report because i had not given consent or signed anything for anybody to check my credit report i put a fraud alert on my report and they supposedly did an investigation for a couple of hours and emailed me that the information was verified and accurate and i know that is not correct at all
Consumer complaint received 2018-11-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (DC)

I received notification from one of my credit monitoring services that I had a collection account add to my credit profile by CommonWealth Financial. I contacted them to ask why would they place a collection on my credit profile without contacting me to see if the debt belongs to me. The representative advised that they just purchased the debt and have not had a chance to mail anything to me. I asked him why would you place the collection on my credit profile without following the proper procedures as required by the XXXX and the act overseeing how collection agencies operate. He could not give me an answer.