davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I keep my credit frozen with the XXXX credit bureaus through their websites. Several months back I needed to unfreeze my credit temporarily. I was able to do this with XXXX and XXXX, but could not login to my Experian account. 

The account is secured with multi-factor authentication requiring a code to be sent to my phone. When I enter this code on the website, I get an error saying the request has been cancelled. I called the support phone number provided, however there is absolutely no way to speak to a person. 

Their alternative is to write a detailed letter explaining your issue. I did this back on XX/XX/XXXX requesting assistance to unlock my account. I received a response several weeks later indicating that they had unfrozen my credit. I did not request that my credit be unfrozen. My account remained inaccessible. 

I sent a follow up letter on XX/XX/XXXX, explaining that they did not resolve my issue and again requested assistance with my login. I have not received a response to this request and my account remains inaccessible. 

My credit with Experian is currently unfrozen and I have no way to freeze it or resolve my login issue. 

I am extremely unhappy that an organization that I am forced to deal with has no obligation to provide customer support.
Consumer complaint received 2023-01-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

I went to the XXXX XXXX XXXXXXXX in 2010. At the time the proffessor failed to enter my grade into the system and I was notified that I had a balance due because dropping the class meant I was now a part time student not full-time student so Financial Aid was refunded. I went to my financial advisor XXXX and explained that was incorrect. I never withdrew from the class. As a matter of fact I A'ed it. I went back to the proffessor, he said he's correct the error and brought proof to my financial advisor XXXX. At the time I explained that I will not be returning to school due to the fact that I was going through a XXXX, pregnant, seeing a therapist, etc and didnt want to mess up my GPA . He said no problem. However, for me not to be responsible for the funds they returned to Fianacial Aid, he's going to have to put me in classes, apply for the funds from Financial Aid to get the class they mistakenly send the money back for covered, then he'd withdraw me from all the classes and I'll be OK. I specifically told him I don't want this to effect me in any way or have issues. It didnt sound right. He said not to worry, I'll be fine. Of course, as a student, you'd think I could entrust in my financial advisor. Once I saw it on my Credit Report, I immediately starting trying to resolve this issue with the school through phone calls and emails. I just kept getting transferred. Then I tried disputing it with the credit beureaus, they would come off and reappear as something new because the accounts keep getting sold. I contacted XXXX XXXX XXXXXXXX last week to find about my transcripts which still shows as me dropping the class. i never noticed before due to the fact I never requested them till now. I explained everything to them and they didnt want to hear anything. they said I waited too long. I told them I complained immediately when everything happened and was told it was resolved. now I see it hasnt. I asked to speak to the proffessor or my advisor, they said the campus closed so I cant do anything. I don't know where else to turn. It is frustrating being responsible for something they made an error on, and fraud just to get paid and still didnt give me my credit for a class I took which was difficult for me to get through. The accounts are currently showing under US DEPT OF EDXXXX {$9700.00} XXXX XXXX and the other is {$7300.00}. 
They need to remove this off my credit. It is not valid. I also have a letter clearing my debt.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MD)

I am writing to dispute the following information that Wells Fargo XXXX svc supplied to XXXX, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to account ( XXXX XXXX XX/XX/XXXX ). 

Prior to the Pandemic I had an Impeccable Payment history XXXX XXXX XXXX, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic. In XXXX I reached out to your company to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that Wells Fargo remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX. ( 15U.S.C. 1681s-2 ( a ) ( XXXX ) ( F ). ) This has been an ongoing issue. I have also reached out to Wells Fargo in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Consumer complaint received 2024-02-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (NJ)

I received a letter from my bank, Wells Fargo on XX/XX/2024 stating that there was judgement on my minor sons account ( I am the guardian of this acct ) and that on XX/XX/2024, {$2.00}, XXXX was withdrawn from my acct. they had no additional information other than the court officer and a phone number. I called the phone number provided and left a voice mail to find out what this was in reference to. In the meantime I called my bank to see if I could get more information to which they had none. All the money in that account was directly deposited from a child support order as a result from a recent court case. I explained this to them and they were aware. I received a call back from the court officers secretary and she gave me the information of the attorneys. I explained the situation to her, that I was never sent any paperwork and had no idea what this was for and told her about the child support money. She immediately told me to contact the attorneys XXXX and XXXX at XXXX. I called and spoke to the paralegal. She looked for my case and could not locate it at first due to the conflicting mailing addresses. When she did find it she told me it was a debtor named ugh but this was not the original debtor. I told her I never received any paperwork on this and the money that was levied from my sons acct was all child support money. She said to cal my bank. I told her my bank couldnt even give me any information. She then got very nasty and told me to wait for a manager. She put me on hold for over XXXX minutes came back and said no one was available and they would call me back. I have not received any calls. I called and left another voicemail and sent an email asking where I can send the documents and burden of proof that the money in that acct was child support. My employer reached out to me on XX/XX/2024 stating that he received a court order to garnish my wages for the same debt. XXXX weeks after the money was withdrawn from my Wells Fargo account. This is harassment. I was NEVER sent any paperwork. I want copies of paperwork at my address to prove they sent me something dated. I want the information on the debt and what it was for and a chance to set up a payment plan if it is valid. I want the money for my sons child support deposited back to his account and I want to show the proof and court order that is what is was. I dont want to be ignored. I want the wage garnishment canceled and for them to stop harassing my place of employment.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX, IL XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO. (CA)

Approximately XXXX years ago, my life took a drastic turn when Chase Bank initiated unauthorized withdrawals from my bank account for an unknown XXXX, which later turned out to be a scam. Despite my repeated warnings and pleas to cease these transactions, Chase Bank continued to withdraw funds from my account without my consent. 

The ramifications of this unfathomable breach of trust have been devastating. I have incurred a loss of {$14000.00} due to these unauthorized transactions, plunging me into a financial abyss from which I am struggling to emerge. What exacerbates the situation is the interconnected nature of my other XXXX cards, which facilitated further unauthorized withdrawals. 

I vehemently refused to bear the burden of a scam I had no involvement with, yet the consequences have been dire. My once stellar credit score of XXXX has plummeted to a mere XXXX, rendering me virtually ineligible for any form of financial assistance or stability. The repercussions of this ordeal have been far-reaching, threatening my very livelihood and pushing me perilously close to homelessness. 

While Chase Bank has acknowledged their erroneous actions after discovering the scam, the damage inflicted upon me remains irreparable. Despite their admission of fault, I have yet to witness any tangible efforts towards restitution or resolution. 

I implore you to intervene urgently and decisively in rectifying this egregious injustice. I seek not only the recovery of the stolen funds but also the restoration of my tarnished credit and financial stability. Time is of the essence, as the weight of this ordeal grows heavier with each passing day.

I beseech you to consider the profound ramifications of inaction and to expedite the necessary measures to alleviate my plight. Your prompt attention to this matter is paramount, as it holds the key to salvaging what little remains of my shattered life. 


Thank you for your immediate attention to this urgent matter. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-06-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (GA)

I had a XXXX XXXX XXXX repossessed by Santander Consumer USA due to financial hardship and the plandemic. I have no further knowledge of vehicle. The account was charged of, however, upon reviewing my credit report, ( XX/XX/XXXX ) a new charge was reported. I received no correspondence from this company concerning this new charge. This agency is in violation of improper reporting of a debt without meeting its obligations under the CFPB.
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IN)

XXXX XXXX uses Synchrony Bank for credit services. On XXXX, I paid a {$140.00} payment. On XXXX the payment was cleared and accepted, but with a {$20.00} insufficient funds charge. If the {$140.00} payment was processed clear to Synchrony Bank, how is Synchrony Bank authorized a {$20.00} insufficient funds charge for funds paid? If I have overdraft protection from my personal bank that protects overdraft, any {$20.00} fee for insufficient funds would be a stated matter of my banks overdraft protection agreement, not a cash snatch from Synchrony Bank who in fact was sufficiently paid now with an unauthorized extra {$20.00}.
Consumer complaint received 2023-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (MS)

On XX/XX/2023, I received notification from my credit bureau monitoring services that my credit file for XXXX, XXXX and XXXX was flagged for collection on an account I have never heard of. I never received any notifications of right to dispute by phone or mail. 

All the information I have on this collection is what is provided on my credit report. 

After investigating this company with XXXX XXXX XXXX they have several complaints regarding frivolous collection attempts.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/XXXX I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to TransUnion certified mail. 

I didn't hear back so I called on XX/XX/XXXX & XX/XX/XXXX with no help. I even kept offering my certified tracking number. It has been sent but Transunion kept telling me they dont have & were rude. This is sad and I still haven't even heard back from these Companies yet.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-06-05
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc (MD)

Dear CFPB, This complaint is regarding PayPal case XXXX XXXX I had used PayPal to place an order with XXXX in XX/XX/2023. I had returned all items in 3 packages to XXXX. XXXX tracking and weight data shows, all items were returned. However, XXXX staff seems to have missed scanning one of the items. I called them many times, they have been saying they did not get 1 item. I asked XXXX to explain correct weight data reported by XXXX, they are not willing or able to explain the weight matching. I can not even steal this item because it needs online live internet account activation. I have shared all my proof with Paypal. I also showed Paypal that I have bought a new replacement item from XXXX. I even researched XXXX  reviews and found many examples of similar mistake by XXXX of not scanning returns. Paypal has suggested they may side with XXXX because of their volume of business. This will be clear conflict of interest. I am not authorizing Paypal to pay XXXX.
Consumer complaint received 2023-06-05
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. (MD)

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

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-07-04
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. (FL)

Good Morning to whom it may concern I am submitting an Complaint that I have with XXXX  and Experian regarding XXXX XXXX account balance {$2300.00} this company is trying to collect a debt that I have disputed time and time again with them and the bureaus, along with the original furnisher of debt XXXX XXXX. However it always came back as verified with Experian saying they would no longer investigate since there is no additional info. I then sent debt validation letters to XXXX XXXX and XXXX XXXX and all that was sent was an account summaries. This is not a accurate or acceptable means of justiying debt per the Fair Credit Reporting act. And with them not providing any instruments of indebtedness, ie original forms of signature, electronic signature or voice recordings. They have to delete. Please hold them accountable and have them delete this off of my credit profile thank you