davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-23
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$120000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$120000.00} XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$120000.00}
Consumer complaint received 2022-12-23
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. (DE)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-23
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: Experian Information Solutions Inc. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-22
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. (TX)

XXXX XXXX XXXX has violated my rights according to title 15 USC although they claim they're not responsible for the account I have proof that they have been reporting on my credit for the past couple of years account number XXXX Account number XXXX The phone number I have on file for XXXX XXXX XXXX is XXXX I asked that these counts be removed off of my credit report
Consumer complaint received 2023-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2023, I received a payment on Venmo for a device I sold, totaling exactly {$51.00}. Upon attempting to transfer this from my digital wallet to my bank account, I was informed that my account was frozen. I did not receive any email communication as to why or informing me about the account issue at all. I communicated with Venmo 's online chat system that day and was told to wait between XXXX business days before there would be an updated. 

I chatted in on XX/XX/2023 again and was told that there was nothing I could do. They claimed that they would send an email when I could obtain the balance, but they did not answer why my account was frozen in the first place. When I pointed out that I was not receiving their email communications despite the fact I had confirmed it was the correct email and I had checked all my filters, they told me there was nothing they could do. They also said that I would not be able to withdraw the funds for at least XXXX  days. They could not give me an explanation why or offer any solutions. 

This is unacceptable as something akin to a bank, holding on to money and not letting a user access money for up to 6 months. This seems like a free loan.
Consumer complaint received 2023-09-04
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX Balance Owed : {$3000.00} US DEPT ED XXXX Balance Owed : {$2400.00} US DEPT ED XXXX Balance Owed : {$5700.00} USDOE/XXXX  XXXX US DEPT ED XXXX Balance Owed : {$590.00} DP OF EDUC XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$6200.00} XXXX  XXXX XXXX XXXX DP OF EDUC XXXX {$6200.00} DP OF EDUC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please remove the following inaccurate items in my report : 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 2018-12-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Debt Relief Center (CA)

My Fico Score is XXXX. I don't have unpaid debt to collections.

Debt Relief Center ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX above has been sending robocalls to me and my family for about two years ( landline and cell phones ) without identifying themselves.

XX/XX/2018 : I received an Important Notice from them ( Attached ).

I send the a certified letter to Debt Relief Center to cease and desist communication with me and my family ( Attached ).

XXXX ignored my request and continue calling me twice ( morning and afternoon ) daily.
Consumer complaint received 2022-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TN)

On XX/XX/XXXX I made a manual payment for XX/XX/XXXX monthly payment for the amount of my regular monthly payment of {$1900.00} ( I wasn't sure if I was on the automatic payment setting ) Then on XX/XX/XXXX an auto draft was done by the amount of {$1900.00}. When I realized Specialized Loan Servicing Mortgage company had done this I called to ask for a reimbursement of the extra payment or to apply it for the following month the agent said she could request it only ( didn't specified ) On XX/XX/XXXX again the auto draft was done for the monthly payment of {$1900.00} So I called SLS to ask about the requested on the extra payment and they said they already reimbursed it on XX/XX/XXXX. However I have no activity on that date in my bank statement. So I called my bank and on XX/XX/XXXX that reimbursement was made. 
Sat XXXX I start receiving calls everyday until today to pay for XXXX. That doesn't make sense so I called and an agent told me to send my unedited XXXX bank statement to show the auto draft SLS did on the XXXX. So I emailed it XX/XX/22 to XXXX and waited. 
No replies. 
XX/XX/XXXX I called SLS to make sure I pay for XXXX and spoke with XXXX and she found out that the XXXX payment was on the limbo and I still owe for XXXX and XXXX. I asked if I can pay XXXX while the issue is under review and she said NO wait until I call you next Friday. Friday XXXX no call from her so I call back and ask to speak with her since no agent has a direct call I have to give whoever I talk to her caller ID. I finally spoke with her and she reviewed my bank statement and agree that XXXX payment was not applied to that month. Then she said I had to send a qualified written request with bank statements to their Colorado office since they don't have a phone number to call and there is no further action for her to proceed. 
Monday XX/XX/XXXX I received another call from agent XXXX caller ID XXXX He called to collect XXXX payment. I spent XXXX hour explaining again the whole ordeal. He found out that {$1100.00} was applied to the escrow ( without my authorization ) I asked what do mean escrow what happened with the rest of the money? He said he would request to transfer {$1100.00} to my XXXX payment and after that he will figure out where the rest of the money is. He told me not to pay for XXXX because it will be apply to XXXX. He said he will call back. Monday XXXX he didn't call. So I call back and spoke with another agent and he couldn't get a hold of XXXX after sending him an email, notes. Right after I hung up the call, another agent called me ( I believe his name is XXXX XXXX he ask to collect over {$4000.00} that I owe. So I told him that XXXX was already figuring out what happened and he didn't even care what I said he kept cutting me off and yelling that I had to pay. Still no resolution
Consumer complaint received 2022-12-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

I submitted a PSLF application many months ago, but had not received any update or resolution. After calling a few days ago, I was told that my application had been idling, due to a transfer of servicer. They agreed to begin work on my application. Despite filing early and comprehensively, my application was severely delayed ; because I am due a refund, this not only led to aggravation and wasted time on my part, but a delay in receiving funds due to me.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX XXXX and XXXX of XXXX I was charged on my bank account through someone elses fraudulent use of some kind. I disputed this with my bank Wells Fargo and they have somehow denied me this I can not understand because none of these charges were mine, and the way that I found out was through an alert from the bank. The bank only alerted me on the final charge, which I called immediately after the alert and have been cooperating with them the whole way through. They never requested anything from me. They never ask me any questions they only denied my claim, which was totally not my use of the card was someone else these charges totaled in about XXXX charges the total amount was under {$400.00} many charges like I said {$43.00} {$22.00} {$100.00} so on and so forth I do have a claim that was open with them that is now closed without giving me back this stolen money I have a direct deposit to this bank of over {$1000.00} every week and do a lot of banking with them and have been with them for a few years. I have had very little disputes or claims of any kind and I do not understand why Im being treated like this.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate.

This is false because there are a number of inaccuracies on my consumer report that still remain.

1. Nothing under 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. What is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency. To misconstrue the requirement of reporting accurate information with the non-requirement to report negative information is a direct violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) and constituted my information being reported without lawful authority. 
XXXX XXXX XXXX XXXX XXXX XXXX This account was paid as agreed. This account was never charged off as listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was paid as agreed. This account was never charged off as listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account has been deleted from Equifax but somehow it is still being reported by you. I am aware that 15 USC 1681i states that if an item is deemed to be inaccurate or incomplete, then, the credit reporting agency shall delete it and notify the data furnisher and creditor. If Equifax notified you and the data furnisher that it was inaccurate and incomplete, how are you still reporting this information? 
XXXX XXXX XXXX XXXX XXXX  They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). 

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I XXXX XXXX filed for EDD/ Unemployment in the state of California XXXX XX/XX/2021. The money from EDD was put on a card through Bank of America. Bank of America refuses to send me the card or my EDD benefits money. BOA claims they have my old address ( XXXX XXXX XXXX ) and it needs to be updated through a email from EDD. I called EDD and they emailed BOA with my new address and BOA still refused to give me my money. I have all my paperwork from EDD showing my correct address. BOA is just playing games and is trying to keep my money. I have called EDD multiple times and they said they sent over my correct address, to call BOA again. If i remember correctly i am owed over XXXX XXXX BOA has kept all of my checks. I have not received one payment of EDD. I have been fighting with BOA since XXXX  for my money. I will be uploading all my documents to prove my claims with my correct address from EDD. The same paperwork BOA has on file. I want all my money owed to me with inters and a XXXX $ fine. I want my money with in 10 business days and for every day i am not paid after that i want a full days wage like the labor board says I should get for not being paid per California Law. My EDD customer account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-23
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. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Grain Technology, Inc. (OH)

I filed a CFPB complaint against Grain a few weeks ago, the company has now restricted access to my account. I was able to log in to my account 3 days ago. I can not log in to close my account and receive a refund of my deposit. This company has retaliated against a consumer for filing a complaint after several attempts through email to fix the issues with my account.