davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX is reporting a charged off account on my credit reports that is reporting multiple inaccuracies. I have been disputing this account for some time with each credit bureau as well with XXXX directly and have not reached any type of resolution. They have not sent me any documents concerning this debt and they are reporting and validating different information with each bureau. It is the responsibility of the consumer reporting agencies to report accurate information and they are in clear violation of my rights as a consumer. Each bureau is reporting different past due balances, last active dates and last payment dates. If all credit bureaus get their information from the same place how is it they are all verifying different information for the same account? I am requesting that this account is deleted from my reports now!
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

After spending over XXXX weeks without a debit card, I finally received my debit card about XXXX days ago. My wife still waiting for her debit card. She have called several times. have filed more than twentieth time and they keep allowing merchants to charge me without my consent. Every time Wells Fargo finished an investigation, I received an email stating that it had been a system error. I have attached a copied as a evidence. 

On XX/XX/22 my wife, XXXX kids and I went to eat to a XXXX 's restaurant and my debit card was declined, I immediately called the bank to unblock my card instead they block my debit card because once again there were XXXX Unauthorized transactions. I was so embarrassed because I did not have any cash on me. This the second time that this bank is doing this to me.
Consumer complaint received 2021-06-19
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: Sequium Asset Solutions, LLC (WA)

Received a notice from Sequium Asset Solutions , LLC of a debt owed to XXXX XXXX XXXX XXXX at least 2 years after leaving XXXX XXXX XXXX. Never received notice of any money owed to XXXX XXXX XXXX. Thought it was a scam until the collection showed up on credit report without sufficient information on Credit Report or from Debt Collection Agency to prove the debt as valid. Paid the agency to get the collection taken off my credit report since it negatively affected my score, but noticed from XXXX search that unknown XXXX XXXX XXXX XXXX changes have been found to be fraud. Please look into this matter and let me know if my identity has been compromised. I have been with XXXX and do not know what XXXX XXXX XXXX XXXX does. Either XXXX XXXX XXXX is incompetent in notifying previous customers of a past due amount, or someone has stolen my identity and has used this XXXX XXXX XXXX XXXX ( whatever it is ) with my SSN to get some charges for who knows what on my Credit Report.
Consumer complaint received 2023-07-19
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX  XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Paid Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$720.00} {$0.00} {$500.00} Credit Limit : {$500.00} {$500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Unknown Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Account legally paid in full for less than the full balance. 
Consumer disputes this account information Settlement accepted on this account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 Experian CO XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX OK OK XXXX OK XXXX OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX OK OK RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc ()

Dear authorities, I would like to report paypal for taking money from user accounts occasionally and irresponsible and unreliable identity verification. First of all, paypal limits user accounts accusing violation of acceptable use policy. They sent email saying our accounts are permanently limited and after 180 days, we will get emails regarding our account situation and withdraw of money in the balance. As per my case and a lot happened to other users, we dont get email as they promised prior after 180 days of limitation. Instead, after certain amounts of time, we receive email that paypal can take recovery loss from our balances not mentioning a specific amount. 
In my case, my account was restricted on XXXX XXXX and I didnt receive any email from paypal during or after 180 days. Only on XX/XX/XXXX, i received email that paypal can take recovery loss and i checked my account on same day and my balance was same. But on XX/XX/XXXX, all the balances in my account which is XXXX $ was taken as paypal recovery loss. I used PayPal with my real informations and I never had dispute over transactions. First off, this kind of dishonest financial institutions are risky for benefits and financial guarantee for public consumers. I acknowledge that as per their terms and regulations that we sign when we open account, that they can take recovery charges. However, from their side, theyre not open with how much percentage of balance they can take or they dont inform you via email about how much money they took from your account or for which specific reason. Moreover, they dont send instruction email after 180 days as they promised. Customer has the right to know for which specific reason, they money was taken and to argue until he feels justified. 

Second report : I found out that someone was putting random fake SSNs and Tax IDs and PayPal system is accepting them. You should take action immediately as it endangers public safety and wellbeing. Secondly, if Paypal gets suspicious over a transaction, it should report to respective authorities, not by itself keeping the money illegally without informing authorities. 

I really would like to request CFPB to take action on Paypal and refund the money to customers.
Consumer complaint received 2024-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mandarich Law Group, LLP (GA)

I have been disputing these items with these companies for almost a year! I provided police reports and asked for validation of debt ( signed contract ect. ) and they have YET to provide that but keep saying its on me! My identity was stolen! And Ive have proved them with everything I can KEEP disputing and they keep denying my claims. 

Some company called XXXX SOLD the debit they say belongs to me in the amount of XXXX I NEVER HAD THIS ACCOUNT and they REFUSE to remove this from my report and have YET to provide proof or debit BECAUSE THERE ISNT ANY! They just want to have someone to keep debt connected too! This needs to be removed it XXXX me XXXX XXXX XXXX!
Consumer complaint received 2023-07-19
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$260.00} {$260.00} {$300.00} Credit Limit : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 90 Days Late 60 Days Late 30 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
**CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Closed or paid account/zero balance Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 OK OK Experian XXXX XXXX OK OK XXXX OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX OK OK RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (OK)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 Have violated my rights 1 5 U.S.C 1681 section 602 A. States I have the right to privacy.

1 5 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (AL)

I have asked XXXX, XXXX, and XXXX to send me validation.. I have called and sent letters numerous of time.. I have also sent in my driver license, social security card, and an light bill.. I have not gotten any resolution
Consumer complaint received 2023-01-10
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. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I know nothing about who or what this debt is about. All debts that I did have were forgiven and or taken over ( by court order ) by my ex husband. Ive disputed this debt several times. & according to my report this debt is appriximately 15 yrs old. 
This company continues to harass me for a debt that isnt even mine.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the fair credit reporting act XXXX Account # 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 2023-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (VA)

PayPal Inc . Refusal to close my account. Stating technical issue. Closed PayPal credit account XX/XX/2022 until present and my account with PayPal is still active. Spent a total of over 10 hours on the phone with PayPal with them stating a different reason on several occasions as to why they refuse to close my account. Can not get a straight answer. Have an email from them stating they would close my account within 5 to 7 days ... .they account remains open.
Consumer complaint received 2023-09-29
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. (WI)

I am stressed and displeased that I see so many fraudulent items on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2021-06-19
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: Eagle Financial Services, Inc. (OH)

Back in XX/XX/2015 I opened an Eagle Loan of Ohio account, I fell behind and missed the XX/XX/2015 payment. The loan went directly into a charge off. I did pay Eagle loan and settle the account, I pay my bills, but after reading the Metro 2 guide lines, this payment history is factually inaccurate reporting. This falsely reporting account is harming my credit and ability to obtain new credit. I have disputed this account several times, each time it is not changed, even though Eagle never responds to my direct validation requests?
Consumer complaint received 2021-06-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

We started for Forbearance process in XXXX of XXXX. Mr. Cooper did not start the process till XXXX which caused us default loan by 30 days. The era was on Mr. Cooper 's side they have repeatedly told us they would fix it and take off the 30 days late and they have not done that to date.
Consumer complaint received 2016-04-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been disputing a collection with the FTC an transunion I followed all procedures explaining that the debt is not mine and was opened by someone else with my social security number transunion has failed to remove this from my credit report XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX balance showing owed {$3700.00} this debt was never mine and is not mine the following collections agency has failed to provide documentation or proof of ownership as per FDCPA guidelines I have requested all collection attempts stop and I have requested that transunion remove this from my report and they have failed
Consumer complaint received 2024-04-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC (TX)

Loan has always been paid ONE WEEK EARLY and is 1 payment AHEAD. From last payment ( XX/XX/XXXX ), they said my XX/XX/XXXX payment was never made. It was made, I proved to them through bank statements and their own online verification system that it was paid. They agreed it was paid. ( See ticket numbers XXXX, XXXX ). They also agree it was a " XXXX bug on our part ''. 

I continue to get daily calls from various agents making demands for payment! This has been going on for weeks. I just got off the phone with them again. They clearly recognize a bug in their system, admit that it happened to me and " Many others '', but still call and harass me daily for payment. I have to re-educate the new caller on the situation. This is getting super old. 

Please help. If you can.
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is the last time, I will make this complaint because i have an consumer law attorney that is ready to take these credit bureaus to court. 

1. The credit bureaus closed the wrong accounts!!!! I NEVER ASKED FOR XXXX AND XXXX XXXX ACCOUNTS TO BE CLOSED. I ASKED FOR XXXXXXXX XXXX AND XXXX XXXX XXXX TO BE CLOSED ON ALL 3 CREDIT BUREAUS. I NEED ALL LATE PAYMENTS DELETED OFF OF MY CREDIT REPORT! 

2. They missed the deadline of going past 30 days to conclude this issue. Its been more than 15 days and this is not fixed!!! THIS IS AGAINST THE LAW! 

3. I need XXXX AND XXXX XXXX ACCOUNTS BACK REOPENED NOW! I AM TIRED OF THESE CREDIT BUREAUS NOT DOING THEIR JOB!!!!! 

4. THIS IS THE LAST COMPLAINT I WILL BE FILING BECAUSE IF THIS IS NOT FIXED I AM COMING AFTER THEM AND EVERY CREDITOR WHO HAS IMPACTED ME NEGATIVELY BECAUSE OF THEM! THEY HAVE BROKEN MANY LAWS, AND THERE ARE XXXX OF DOLLARS THESE BUREAUS ARE GOING TO OWE ME AND THEY WILL NEED TO FIX MY CREDIT SCORE FOR FREE AND GET ME BACK TO THE XXXX LIKE I WAS YEARS AGO.