davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NV)

Hello, My name is XXXX XXXX and I am the owner of XXXX PayPal account. 
My phone no. is : XXXX Ive been notified about this case about a couple of unauthorized transactions, ( Case ID : XXXX ) and ( XXXX ) and that my response is needed. ( Seller response ) First I would like to say that it was no sale in this case. 

I I am referring to : Transaction ID XX/XX/XXXX, 1. money receive at XXXX pm XXXX {$90.00} 2. Money send at XXXX pm XXXX - {$90.00} XX/XX/XXXX XXXX. Money receive at XXXX pm XXXX XXXX {$100.00} 2. Money send at XXXX pm XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in their XXXX 's, are our friends and XXXX XXXX XXXX is there son and he is on his XXXX 's. 
Both XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX to upload their cards on Paypal and use them at will. 
On XX/XX/XXXX and XX/XX/XXXX as you can see, The money that XXXX send me, on both occasions were returned, PAID BACK in under a minute. 
On both ocasions, he said that the transaction was done by mistake and he request his money back. 
I would like to mention that XXXX XXXX XXXX does not have a credit card on his name and he actually send the money from his fathers and mother 's credit cards since they share the same name. 
Soon after he did multiple charges on his parents credit cards ( I don, t understand how Paypal aloud him to use somebody else 's credit cards on his own Paypal ), he got the cash from the people he scam than his parents denied all charges to credit to the credit companies and got their money back totaling over {$30000.00} and me as the victim I am being harrased by Paypal who is forcing me to cover those illegal transaction taking the side of the scamers even after multiple complains has been filed with XXXX XXXX XXXX police, Consumer Financial Protection Bureau, He Did the same thing to my stepson. 
XXXX XXXX XXXX. 

Please let me know if I can help with anything else.
Consumer complaint received 2023-01-20
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: LEXISNEXIS (IL)

I sent a letter on XX/XX/22 to XXXX, XXXX, and LexisNexis to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reference XXXX : XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX
Consumer complaint received 2019-12-15
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: Experian Information Solutions Inc. (CA)

Sent XXXX XXXX and Experian a Dispute Letter requesting verification of inaccurate information being reported on my credit report. Letter was sent via certified mail and delivered. Dispute case was opened on XX/XX/XXXX and after only 1 week the dispute was " resolved '' by Experian. Several violations to the FCRA & FDCPA were committed. 

1. No verifiable evidence was provided ( bearing my signature ) for the ownership of this account. 
2. Experian or XXXX changed the 7 year removal date. Under federal law any negative account being reported can only remain on account for no longer than 7 years from delinquent date. Before the dispute was created the " age date '' of this account was XX/XX/XXXX. After the dispute, the date was changed to XX/XX/XXXX. This is an illegal action and account must be removed for violation of the FCRA & FDCPA.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Investigation and Correction of Student Loan Payment Reporting Dear Sir/Madam , I am writing to file a formal complaint concerning the handling and reporting my student loan payments by the Department of Education XXXX Despite making all necessary payments, which the servicer acknowledged as satisfactory, my credit report continues to reflect past charges marked with late payment remarks. These inaccuracies adversely affect my credit score and my ability to secure financial services.

Account Details : Loan Servicer Name : Department of Education ; however, a collection agency called to set up payments Account Number : XXXX Dates of Disputed Late Payments : Several occasions. 
I have previously contacted the Department of Education on multiple occasions to request the removal of these inaccurate late payment remarks from my account history. Despite these efforts, the servicer still needs to amend the credit reporting, which has led to ongoing financial and personal distress. 
The servicer acknowledged the payments as satisfied, which should not have resulted in any adverse remarks on my credit report. The persistence of these inaccuracies contravenes the Fair Credit Reporting Act ( FCRA ), which stipulates the need for accurate and fair credit reporting. 
Therefore, I kindly request the Consumer Financial Protection Bureau to : Conduct a thorough investigation into the handling and reporting of my student loan payments by Federal Student Loans.

Ensure any inaccuracies in writing late payments on my account are corrected promptly.

Require [ Loan Servicer Name ] to remove any adverse remarks related to the disputed late payments from my credit report.

I am prepared to provide additional information or documentation supporting my complaint. I hope that with your intervention, the inaccuracies in my credit report will be corrected, allowing me to move forward without the undue burden these errors have placed on my financial well-being. 
Thank you for your attention to this matter and your assistance in upholding the integrity of consumer credit reporting. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

My Name is XXXX XXXX and I reside at XXXX XXXX XXXX in XXXX New York zip code being XXXX. I have resided in my primary home since XXXX and I would like to keep my home. Select Portfolio Servicing Inc., SPS has been my present mortgage servicer for approximately 2 years. Since the Pandemic, I have been financially impacted and have required assistance from the Servicer due to Covid-19 related matters. My employment income has significantly been reduced due to Covid-19.

My complaint stems from the Servicer 's inability to adhere to New York State and Federal laws as they pertain to individuals impacted financially by Covid-19. I'm citing the Servicer for the following : 1. Disallowing any additional Covid-19 Forbearances 2 . Not Accepting the " Covid-19 Declaration of Hardship Document '' In the State of New York we have some of the highest rates of Covid-19 cases. These numbers have impacted my business/employment to the degree I am not able to make mortgage payments. In the past, I have provided a completed copy of the Covid 19 Declaration of Hardship Document to the Servicer and they have refuse to acknowledge and/or accept the document as an official hardship. 

In closing, we are living in unprecedented times it is mandatory that we have Servicer 's and/or Lenders adhering to Federal and State guidelines as they pertain to individuals suffering financial hardship due to Covid-19. SPS has demonstrated very little to no compliance of the laws which we are governed by during the Pandemic. They continue to operate as if these are circumstance of the past. 

On XX/XX/XXXX I spoke with an SPS representative who had no knowledge of New York State and/or Federal Laws which protects individuals who struggle to make mortgage payments at this time. In addition, SPS has continued to aggressively pursue payments. Currently, I have entered into a modification process in which i have submitted my online application. I am very concerned the Servicer will continue to disregard laws and my inability to pay my mortgage which will result in my credit being impacted. I am seeking for SPS to adhere to state and federal laws during the Pandemic and assist accordingly. 

PLEASE DO NOT PROVIDE ANY PAYMENT HISTORY DOCUMENTS
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (NY)

In accordance with the Fair Credit Reporting act, One Main Financial, Account # XXXX has violated my rights under15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15U.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 account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2021-12-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COAST PROFESSIONAL INC (NY)

Attached to this Complaint is a notice dated XX/XX/2021, sent to me by Coast Professional , Inc. Coast Professional failed to include proper disclosures as required by the Fair Debt Collection Practices Act ( FDCPA ). Coast Professional , Inc., did not disclose my right to dispute the debt in writing nor did they include they were debt collectors attempting to collect a debt. They failed to comply with the FDCPA 15 U.S.C. 1692e ( 11 ) and 15 U.S.C. 1692g ( a ) ( 3 ). Also attached to this complaint is a notice sent to Coast Professional , Inc. by me in attempts to resolve this matter.
Consumer complaint received 2023-01-20
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. (CA)

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False misleading information furnishing deceptive forms must remove late payments in the payment history. The accounts are listed below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-15
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$330.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- COLLECTION ACCOUNTS -- 1. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$330.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5900.00} -This is not my account.
Consumer complaint received 2023-01-20
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: M&T BANK CORPORATION (CT)

I called M & T bank many times ever customer service tells me a different lie every time me as a mortgage broker for 26 years I know these things work differently when you pay mortgage you have to report that it has been paid on time if you don't pay its otherwise. They dont report to my three bureaus at all.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

LexisNexis is falsely reporting false information on my consumer report to insurance companies. LexisNexis is reporting that I was involved in a car accident on or around XXXX XXXX which is false information. I was not involved in any type of accident of traffic violation. LexisNexis also does not have my consent to share my personal information with anyone or any corporation. They are in violation of my Right To Privacy.
Consumer complaint received 2021-12-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BANK OF THE WEST (OR)

I purchased a used XXXX XXXX XXXX XXXX XXXX  from a 3rd party in XXXX XXXX  on XX/XX/XXXX for {$260000.00}. The motorhome was titled and registered in XXXX XXXX. I paid {$130000.00} in cash and a loan from Bank of the West for {$130000.00}. Included in the loan fees were the XXXX State title and Registration fees of {$470.00} ( see attached LoanDisclosureStatement ). XXXX is where I reside. Bank of the West was supposed to take care of the XXXX  title and registration. On XX/XX/XXXX ( see attached XXXXXXXX ) I received the letter dated XXXX from the XXXX DMV stating the date on the Title XXXX submitted to them by Bank of the West does not match the date on the XXXX XXXX title in the National Database of XX/XX/XXXX for this motorhome. The letter also states a " blank '' check was included which they can not accept and lists the required title and registration fees. It says if there is no response within 30 days the transaction may be returned, put on hold, or cancelled. Between XX/XX/XXXX, the day I received the letter, and XX/XX/XXXX, I called Bank of the West 5 or 6 times and each time was assured this issue would be expeditated and I would receive a response from them. The 6th call I requested to speak with a supervisor. That also got me nowhere. 
On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX XXXX XXXX ) Complaint : XXXX. They too have hit a dead end. After numerous inquiries and numerous replies to/from Bank of the West by the XXXX, Bank of the Wests response was always the same, they needed more time to investigate and expect a response in 2 weeks. After 2 weeks they responded they needed another 2 weeks. This has continued since I filed the complaint. 
I have continued to call Bank of the West and each time assured this would be escalated. I have also spoken with the XXXX DMV and the XXXX XXXX DMV thinking maybe I could resolve it but XXXX XXXX DMV will not give me the title because I am not the registered owner. That seems ironic, I paid {$130000.00} cash, have been making {$980.00} monthly payments for the past 10 months totaling {$9800.00} and insurance for a vehicle that I cant drive! I have no title, no registration and no license plates and if there was a serious problem its registered and titled to someone else! 
I spoke with the XXXX DMV earlier this week and was told they have heard nothing from Bank of the West since they sent the XXXXXXXX letter dated XXXX. 
Bank of the West has committed fraud. They misrepresented the RV loan and process. I was told the registration/title process would be done in 5 to 7 days. They have my money and I have a vehicle I cant drive. I have paid over {$5000.00} in interest and insured a vehicle that sits in my driveway.
Consumer complaint received 2021-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recently filed a ftc report regarding fraudulent accounts on XX/XX/2021 ( XXXX XXXX XXXX XXXX XXXX ) and ( XXXX XXXX ) and they have been closed and removed from XXXX on XX/XX/2021 and on XX/XX/2021 from XXXX. Transunion just closed the accounts without removing and our reporting late payments. A consumer reporting agency of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days should be blocked.
Consumer complaint received 2019-12-15
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$330.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- COLLECTION ACCOUNTS -- 1. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$330.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5900.00} -This is not my account.
Consumer complaint received 2019-12-15
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. (TX)

Dear Credit Bureau : XXXX  I hope your day is going well, I need your help. I pulled a copy of my credit report and noticed a fraudulent accounts. I am a victim of identity theft, and did not make the charge [ s ] .This incorrect information on my credit report is causing problems when I try to apply for credit. I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely or do the investigate using this system because its not 100 % accurate. I really need your help because at this point I dont know where to turn. Please investigate this matter, and get back with me when you are finished. I am writing to dispute the following information on my file. Please update, modify or remove any account that is not reporting with 100 % accuracy.Dear Credit Bureau : XXXX  I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information.I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. ( 1 ). How did you verify these inaccurate accounts? ( 2 ). Did you talk to the court and if you did who did you talk with at the company. ( 3 ). Can you provide me with the contact number and name of the person you talked to? I demand the following accounts be corrected or removed immediately. I noticed problems with the following accounts are fraudulent : XXXX  XXXX  XXXX  / Original creditor : XXXX Opened XX/XX/2019 Balance : {$1700.00} XXXX  - XXXX  XXXX Last reported XX/XX/2019 Reported balance : {$35000.00} XXXX XXXX XXXX Last reported : XX/XX/2019 Reported balance : {$3100.00} XXXX XXXX XXXX Last reported : XX/XX/2019 Reported balance : {$370.00}
Consumer complaint received 2022-01-11
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. (IL)

what XXXX XXXX is saying payment i missed was from XX/XX/XXXX not from XXXX like they have listed which im saying is inaccurate late payments should be listed in XXXX not XXXX when i actually found out about it and made current
Consumer complaint received 2019-07-18
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. (FL)

XXXX and Transunion are reporting a duplicate collection on the XXXX partial account number XXXX. ( Please see page 28 of the attached credit report. ) I have contacted the bureaus to correct this, however I have been unsuccessful. This incorrect reporting of a duplicate collection is harming my credit score and  these line items need to be removed from my credit report.
Consumer complaint received 2021-12-23
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XXXX XXXX XXXX XXXX OPENED XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 
OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX, XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX