davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello! 

This is in regards to a re- investigation of late payments reporting on my account that I requested. It should have taken place. I have reason to believe that the late payments are reporting inaccurately for the XXXX XXXX and XXXX accounts. 

I have strong reason to believe that they are inaccurately reporting. 

May you please encourage this company to conduct a proper investigation with the original creditor? 

Did they investigate? 

Thank you!
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

PayPal is facilitating fraud. I am a recent victim of an online scam involving XXXX XXXX. The seller uses PayPal 's " purchase protection '' to give buyers confidence in moving forward with fraudulent transaction. They do this because they know how easy it is to XXXX PayPal 's purchase protection controls. The fraudulent seller simply submits an unrelated tracking number and PayPal closes the claim. 

I've already proven to PayPal, via an email from XXXX, that the seller is using an unrelated tracking number as " proof of shipment ''. They reopened the case after I provided the email, then the seller sent another fake proof of shipment and PayPal immediately closed my case again. Each time the fraudster provides a tracking number, the departing location and addressee are different. They use tracking numbers with the same destination city as my current address. PayPal does no due diligence in investigating fraud and is opening up all of their customers to potentially big financial losses.
Consumer complaint received 2024-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I had XXXX XXXX in XX/XX/XXXX. I had a bad fall in XX/XX/XXXX and spent two weeks in the hospital. PennyMac contacted me and claimed I was behind two payments. I agreed to a repayment plan and made the first payment by phone, in XX/XX/XXXX. I had a second payment due XX/XX/XXXX, a third on XX/XX/XXXX, to resume regular payments XX/XX/XXXX. I have been calling the PennyMac numbers to make payment but they do not answer. Instead they put you in a phone loop that eventually hangs up. I posted a complaint on their XXXX page and they replied within hours, saying they would have a specialist look into this and contact me. That was a few days ago. I still can not make this payment. They suspended my ability to pay online due to the special payment plan. Im so frustrated and worried. This is so unfair!!! I have plenty of money to make payment, I simply can not reach them to do so! Please help me.
Consumer complaint received 2021-11-10
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: Experian Information Solutions Inc. (CA)

I submitted a credit dispute with Experian on XX/XX/2021, to remove inaccurate information on my Experian Credit Report. I provided a copy of my XXXX Credit Report that shows they removed the Bankruptcy because they were unable to verify the accuracy of the record. 

Experian responded on XX/XX/2021 that they did not remove the item from my credit report. 

I am requesting that the inaccurate information be immediately deleted from my Experian credit report.
Consumer complaint received 2019-12-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Tesla, Inc. (TX)

I provided a {$1000.00} down payment to Tesla to reserve my spot in line for a future vehicle. At least 3 months ago, I do not have the exact date, I submitted a refund request and was told it would take 45 business days to receive. It's been long past that time period and I have not received my refund. When I called their customer service line XXXX the automatic call router would not allow me to speak to a representative and instead forced you to email XXXX which I did XX/XX/XXXX. No one responded to my email and I emailed again XX/XX/XXXX and received an automatic email stating the email account was no longer monitored. Looking online it appears this is a consistent pattern https : //forums.tesla.com/forum/forums/refund-deposit please help me obtain my refund. My account is XXXX and I'm requesting the refund check be mailed to my address ( XXXX XXXX XXXX XXXX, TX XXXX ).
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2019-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (PA)

I am attempting to redeem Cash Back Rewards that I earned on my Sam 's Club Master Card through Synchrony Bank. My last monthly statement shows that I have {$120.00} Cash Back Balance. I called into the Sam 's Club MC credit service phone number and I reviewed the Sam 's Club credit card web site. The Sam 's Club MasterCard web site offers no information or method on how to redeem your cash back balance. When I called in - the person I  spoke to was unable or unwilling to offer me any method to cash in the rewards and said I need to wait until XX/XX/2020 for rewards to be available but could not direct me to any web site/pages with their rules or explanations of how the cash rewards can be redeemed. It appears that Synchrony Bank Master Card is purposefully making the rules unavailable and misguiding consumers.
Consumer complaint received 2019-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I tried to get my credit freeze lifted with Equifax but when they ask me security questions to verify my identity they keep asking me about accounts, credit lines, mortgages etc. that are not mine. I have to answer " none of the above '' to all questions because none of them are related to my credit history, and then I get denied access to my account. I have tried talking to them over the phone as well but no one is willing to help me. So I am unable to lift my credit freeze. Seems like they have mixed up my report with someone else 's but they refuse to help fix this!
Consumer complaint received 2019-12-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (NY)

Entered a sales contract during a cruise to XXXX on XX/XX/2019 ; we were told the gems are of the best price and quality - not true after checking when return to New York. 
Ask to cancel on XX/XX/2019 but not possible. The products are XXXX to my house but we asked XXXX to return to sender ; so they have the products with them.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

Subject : Complaint Against Equifax Credit Reporting Agency Regarding Failure to Delete Online Account and Violation of Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue I have encountered with Equifax credit reporting agency. Despite multiple attempts and requests, Equifax has failed to delete my online account with Member ID # XXXX, citing supposed identity theft concerns. I have invoked my rights under The California Consumer Privacy Act of 2018, which was further amended in 2020 to the CPRA, to have my information removed upon request, including online accounts. However, Equifax does not provide consumers with the option to delete non-active accounts once they sign up, leaving individuals vulnerable to potential identity theft risks as they are unable to promptly address any malicious activities.

The inability to physically delete an online profile account exposes consumers to heightened risks and violates the fundamental principles of consumer privacy rights. It is imperative that credit agencies, including Equifax, offer consumers the right to opt out and permanently delete any information from their systems, as mandated by the CCPA. The current practice of retaining consumer information against their will is a direct violation of consumer rights and privacy laws.

I am requesting Equifax to take immediate action to delete my online account and permanently erase all associated information. Additionally, I urge Equifax to establish a clear and accessible method for other consumers to delete their online accounts without facing barriers or feeling restricted by the agency. Consumer rights exist to protect individuals, and any disregard for these rights undermines the trust and integrity of the system put in place for the benefit of consumers.

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and ensure that Equifax complies with the legal requirements and consumer rights outlined in the CCPA and other relevant regulations. Your intervention and advocacy in upholding consumer rights are crucial in addressing this issue and safeguarding consumer privacy.

Thank you for your attention to this matter. I look forward to a prompt and effective resolution to this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-13
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: EQUIFAX, INC. (NC)

To Whom It May Concern, I am writing to file a complaint against XXXX XXXXXXXX for violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to credit bureaus. Specifically, XXXX XXXX has been reporting inaccurate payment history and amount owed on my account, which has had a significant negative impact on my credit score and financial standing. 

Despite numerous attempts to rectify these issues with XXXX XXXX directly, I have not been able to obtain a satisfactory resolution. Furthermore, these inaccuracies have resulted in XXXX XXXX reporting misleading information to credit bureaus, in violation of my rights under the FCRA. 

As a result of XXXX XXXX 's inaccurate reporting, my credit score has suffered a significant drop of XXXX points on three separate occasions in the past 90 days. This has caused me undue stress and financial hardship, as it has made it difficult for me to obtain credit and other financial services. 

Under the FCRA, XXXX XXXX is required to provide accurate information to credit reporting agencies, including payment history and amount owed. Furthermore, if XXXX XXXX becomes aware that any information it has provided to a credit reporting agency is not accurate, it is required to promptly notify the agency and provide corrected information. 

Therefore, I am requesting that XXXX XXXX be held accountable for its violations of the FCRA and that any inaccurate information be removed from my credit report. Additionally, I am requesting that XXXX XXXX be required to pay {$100000.00} damages for harm that has been caused to my credit score and financial standing. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello ... I have had a small business account with The Bank of America since XXXX. Since XXXX I make one monthly deposit of all of my checks and the checks are available for use the next day. I have never had a check bounce. I never overdraw my account .... Starting in XX/XX/XXXX and every month thereafter, the bank has been putting a 10 hold on all of my checks. In reading U.S. Code 4002, it appears that the longest a bank can hold a nonlocal check is 4 days. Here is the section of the law that refers to this : " ( 2 ) Availability of funds deposited by nonlocal checks Subject to paragraph ( 3 ) of this subsection, subsections ( a ) ( 2 ), ( d ), and ( e ) of this section, and section 4003 of this title, not more than 4 business days shall intervene between the business day on which funds are deposited in an account at a depository institution by a check drawn on a nonlocal originating depository institution and the business day on which such funds are available for withdrawal. '' When I mentioned this to a manager of BofA she said that their bank policy can hold the checks for as long as they want. The phone call with the bank manager was recorded on XX/XX/XXXX. I spoke to XXXX in the South Carolina office. XXXX said that they did not have to comply. That there could be reasons why a 10 day hold is necessary. When I asked what I did wrong to warrant this, she could only reply with they can do that. There was no willingness to hear that they may be breaking the law. Just that " their policy can allow them to do this. '' Holding my checks for 10 days makes it impossible for me to collect my checks, deposit them and have my workers paid in a timely fashion. Can you please help me with this?
Consumer complaint received 2022-10-03
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)

n 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. 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 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 believe that the information is inaccurate. 

Account below XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Due to the pandemic I was trying to feed my family and keep up with my bills.
Consumer complaint received 2019-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

i am filing this complaint because experian, XXXX and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately
Consumer complaint received 2019-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

i am filing this complaint because XXXX, XXXX  and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra- they are required to promptly delete all information which can not be verified ; that i have disputed. please resolve this issue immediately
Consumer complaint received 2023-05-13
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: Kikoff Inc. (GA)

I paid this account off and asked numerous of times for it to be closed its still showing on my credit profile Ive reached out to customer service plenty of times they advised me to pay the balance of {$20.00} which I did not make but paid it for it to be deleted as due to fraud its still showing on my credit Open Account XXXX XXXX  XXXX This account may be hurting your score Account Details Status Open Date Opened XXXX Last Payment -- Balance {$20.00} Limit -- Date Closed -- Monthly Payment {$20.00} Worst Status Late 60 Days Responsibility Individual Account Number XXXX Late Count 1 30 / 60 / 90 Days Late XX/XX/Date Reported XXXX Remarks -- Amount Past Due {$20.00} High Balance {$20.00} Terms -- Account Type Secured credit card Late Dates XXXX ( 30 ) Derogatory Date Opened XXXX Last Payment XXXX Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- KIKOFF LEND - XXXX Worst Status Current Responsibility Individual Account Number XXXX Late Count -- 30 / 60 / 90 Days Late -- Date Reported XXXX Remarks Account paid from collateral Amount Past Due No Info High Balance {$120.00} Terms XXXX Account Type Secured loan XXXX - XXXX Status Closed Date Opened XXXX Last Payment XXXX Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- Worst Status Late 60 Days Responsibility Individual Account Number XXXX Late Count 1 30 / 60 / 90 Days Late XXXX Date Reported XXXX Remarks Closed Amount Past Due No Info High Balance
Consumer complaint received 2019-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted a dispute via certified mail ( XX/XX/2019 ) to the 3 credit bureaus to remove my non account holding dealership hard inquiries under the 1681 Fair Credit Reporting Act. XXXX  removed them no problem. However, I called Equifax and XXXX  ( XX/XX/2019 ) and was told that there was nothing i could do to remove them. Even after i explained that i didnt give authorization for the dealerships to run my Equifax credit 32 times and my XXXX credit 52 times. Its affecting my score negatively AND that they didnt verify any of them. I contacted each dealership and finance company and none of them have any of my information. Soo theyre violationg the 1681 Fair Credit Reporting Act as well as falsely validating information on my credit report.
Consumer complaint received 2023-06-27
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. (GA)

I am a victim of identity fraud. Credit bureaus are reporting fraud information on my credit report. There should not be any damages to my report. 15 U.S.C 1681
Consumer complaint received 2023-01-15
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. (CA)

In accordance with the fair credit reporting act XXXX, account XXXX XXXX XXXX  has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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.
Consumer complaint received 2019-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim if identity theft. I have already reported this information to the credit bureaus, as well as the FTC. However, the credit bureaus have been ignoring me, and have failed to respond to me at all. It has been nearly 60 days and I know that this is illegal. Please assist me in this matter. The accounts listed in the reports that are attached to this complaint are the result of fraud and were not opened by me, the consumer.