davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio recovery and associates currently reports misleading, Unverifiable, inaccurate information on the 3 major credit reporting agencies without full validation of debt. This is a violation of the fair debt collection practices act section 809b.
Consumer complaint received 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act XXXX accountXXXX 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. States a consumer reporting agency can not furnish any account without my written instructions. I have tried to reach this company numerous times concerning this issue, however I was not successful. This account has caused great damage to my credit report. Assistance is advised.
Consumer complaint received 2023-02-13
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)

XXXX, Experian, and XXXX have all investigated, contact, and decided that XXXX XXXX XXXX is reporting legally to my credit report but when a complaint was made to the Consumer Financial Protection Bureau and the XXXX XXXX XXXX about XXXX XXXX XXXX illegally reporting an account on my credit report, neither bureaus were able to obtain a response from XXXX XXXX XXXX XXXX XXXX Experian, and XXXX have made false investigations and continue to allow this legal account be reported on my credit report.
Consumer complaint received 2021-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UMB FINANCIAL CORPORATION (CO)

I have been attempting to close my checking and savings account with UMB for several weeks since XXXX  out the balance. I have called, sent emails, and sent regular mail. When calling, after an excessive wait, I inevitably get disconnected. Emails get replies that " closing your account can not be done by email. '' No response or action from the regular mail. Now that enough time has past due to their stalling, they have begun charging fees due to " insufficient funds. : '' I attempted five times using three different methods to close this account before any fees were applied. Now that fees have been applied, UMB is stating that the account can not be closed if it has a negative balance. It only has a negative balance due to their not closing it when I first asked.
Consumer complaint received 2023-09-27
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: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX & XXXX XXXX XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Consumer complaint received 2023-01-02
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. (FL)

In accordance with the Fair Credit Reporting act ACCOUNT XXXX  XXXX & XXXXXXXX XXXX XXXX XXXX XXXX have both 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-18
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)

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. 
Account name : XXXX XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX, Account number # XXXX, Account Name : XXXX XXXX Account name : # XXXX, Account Name : XXXX XXXX Account Number # XXXX, Account Name : XXXX XXXX XXXX Account Number : # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : # 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 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 eleve mane information is inaccurate.
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 
Account name : XXXX XXXX XXXX  Account number : # XXXX, Account name : XXXX XXXX, Account number # XXXX, Account Name : XXXX XXXX Account name : # XXXX, Account Name : XXXX XXXX Account Number # XXXX, Account Name XXXX XXXX XXXX XXXX Account Number : # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Account Number : # 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 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 eleve mane information is inaccurate.
Consumer complaint received 2023-01-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Proof of Method of Verification Requests were ignored by the company since XX/XX/XXXX.
Consumer complaint received 2023-02-13
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)

I am having a difficult time getting Experian to remove an account that they are inaccurately reporting. I have sent many dispute letters to the point of no avail. They are reporting that the account XXXX XXXX XXXX XXXX XXXX was late 4 times and eventually charged off. This is not true. The account was never charged off and I have contacted the company to ask for the 1099c form and to see what company it was sold to and they reassured me that the account was closed and not sold. During 2020, I was on deferment due to XXXX so there should be no late payments according to the FCRA. Also, both XXXX and XXXX are not reporting this account so there is no way that Experian is in compliance. I am asking that Experian removes the account from my credit report or update the account to paid as agreed never late, removing all late payments for their negligence. I am aware that I can be compensated up to {$1000.00} per violation, but at this time I am only interested in the deletion of the inaccurate information to reflect my true credit profile as this is causing me extreme distress. I do look forward to a response within 15 days.
Consumer complaint received 2023-06-07
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 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 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-13
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)

I am having a difficult time getting Experian, XXXX, and XXXX to remove an account that they are inaccurately reporting. I have sent many dispute letters to the point of no avail. They are reporting that the account XXXX XXXX XXXX XXXX was late 2 times and eventually charged off. This is not true. During 2020, I was on deferment due to XXXX so there should be no late payments according to the FCRA. I am asking that the credit reporting agencies remove the account from my credit report or update the account to paid as agreed never late, removing all late payments for their negligence. I am aware that I can be compensated up to {$1000.00} per violation, but at this time I am only interested in the deletion of the inaccurate information to reflect my true credit profile as this is causing me extreme distress. I do look forward to a response within 15 days.
Consumer complaint received 2023-01-02
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)

In accordance with the Fair Credit Reporting Act U.S Bankruptcy Court reference # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX  account # XXXX, XXXX account XXXX XXXX and XXXX XXXX XXXX account XXXX XXXX  has violated my rights. 

15 U.S.C 1681 Section 602 A state 's 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 2023-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation (VA)

I have 2 accounts with Aspire, a subsidiary of XXXX  XXXX XXXXFortiva ending in XXXX and XXXX. On XX/XX/3022 I made 2 payments {$39.00} for account ending in XXXX {$40.00}. Despite my best efforts to resolve this problem Aspire staunchly maintains the payment for XXXX was reversed on XX/XX/2022. I sent them bank statements for XXXX proving the money was taken out of my account. Not to take my word for it, I conferenced my bank on one of many calls and they verified the payment went through and there was no reversal. Ive contacted Aspire approximately 7 times- and I spoke with a supervisor with the same results. I have attached my bank statements as proof. I need help
Consumer complaint received 2023-06-07
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)

On XX/XX/2023, I was notified by the company Transunion that They have received my information and my dispute letter. Still, unfortunately, they could not investigate it since they think I did not correctly authorize it and they think it was by a credit repair company. 
I've been dealing with this same XXXX  issue with Transunion for months, I'm starting to get frustrated and annoyed because I now feel like my rights as a consumer are being played with me. How is it within my rights to be able to challenge anything that I feel is inaccurate but every time i send a letter I got the same response back???? 

Please advise and help me fix this thank you.
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

I submitted a complaint via CFPB before ( CFPB Ref No : XXXX ). Amex replied, returned me {$200.00} as requested on XX/XX/2022. However, on XXXX XXXX, Amex charge me back {$190.00} for no reason.
Consumer complaint received 2023-12-29
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Paypal Holdings, Inc (UT)

I ordered an art commission from XXXX XXXXXXXX on XXXX on XX/XX/2021. I sent this individual money by PayPal and never heard back from him. Found out I'm not the only XXXX. I was told that it takes years for product to be received. I tried contacting both twitter and PayPal, but they can't provide any information about the user due to privacy. I tried contacting the individual about my commission. Today I discovered that the individual 's account on XXXX has been XXXX, and I'm not sure what to do to get my money back. Attached is proof of contacting this individual ( censored as it has adult content. I'm XXXX ), unfortunately the XXXX messages aren't shown since the individual 's account is blocked.
Consumer complaint received 2022-09-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Borrower was affected by COVID and fell behind on their payments. Borrower has a government backed guaranteed mortgage through USDA. Borrower has tried twice to get a loan modification but Carrington refuses to offer any type of retention program for the borrower in spite of the fact that Carrington is insured against loss because the loan is government backed.
Consumer complaint received 2023-01-02
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-13
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)

Experian, XXXX, and XXXX are reporting incorrect information on my credit report. I have tried to remedy this numerous times to the point of no avail. I do not believe that the credit reporting agencies are taking consumer complaints seriously. The account that I am demanding to be removed from my credit report is XXXXXXXX XXXX XXXXXXXX. I do not owe this company anything and I do not have an account with them. The original creditor that I have an agreement with is XXXX XXXXXXXX and I will attach the documents. Also, the amount that XXXXXXXX XXXX is reporting is not correct. I was never informed that this account was with a collection agency. I do believe that this account was re-aged and is reporting incorrectly. Please remove this account from my credit report due to inaccurate reporting and non-compliance with FCRA. Please see the attached dispute letters I have sent over 4 months ago.
Consumer complaint received 2019-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NJ)

Our mortgage company Flagstar did not pay the correct amount of taxes for XX/XX/XXXX/XX/XX/2019 and now our city (XXXX XXXX, NJ) has sent us two letters, the first dated XXXX XXXX stating that our home will be sold in a tax sale if we do not pay the delinquent taxes by XX/XX/XXXX. We have been trying to correct this mistake with our mortgage company Flagstar since XX/XX/XXXX however they have not done anything to find out why this happened, who is responsible for the late fees and how we can get this paid so that we do not lose our house.  Every time we call them they tell us to resend the documents and that they don’t know why nothing has happened yet and that they don’t know when it will be resolved.
Consumer complaint received 2017-12-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Neon Newco Corporation (NY)

This is a follow up to unsatisfactory resolution of CFPB complaint number XXXX. I was told a customer service representative left a voicemail with a direct number. I have not received any such phone call. I have been unable to liaise with Netspend for further assistance with this issue. Again, I have no contact information for who to speak with at Netspend. My accounts were closed by Netspend.

My funds in the amount of {$5000.00} are being held by Netspend and not returned to me.

I was asked to provide a Letter of Indemnity by Netspend from XXXX XXXX. As expected, since XXXX has nothing to do with Netspend holding my funds XXXX, XXXX XXXX has provided written instructions that they will NOT provide this letter. I have attached the message from XXXX for your review. Understandably, XXXX does NOT want to get involved. " Regrettably, we are unable to accommodate a request of a written release or indemnity form to provide to Netspend. While we sincerely empathize with the issues you have experienced, we ask that you continue working with Netspend and the Consumer Financial Protection Bureau ( CFPB ) in order to recover your funds. '' I really do not know what to do at this point since XXXX is unwilling to provide what Netspend is asking for. Netspend has closed my accounts in XXXX. They promised to mail the funds to my address on file which I have NEVER changed since registration. Netspend continues to hold my funds XXXX. Since filing a CFPB complaint, Netspend then says the promise to  mail the funds to the address on file was actually an error and to get the funds this whole time, a Letter of Indemnity is required from XXXX. XXXX has denied me this letter and is unwilling to get involved. I have no contact information for someone at Netspend to contact regarding this matter. I fear Netspend will continue to hold my funds XXXX citing my inability to secure this " Letter of Indemnity. '' CFPB, please help.