davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IN)

I sent {$9500.00} to XXXX XXXX on XX/XX/2022. He lives in XXXX. I live in the US. This was for a trip we had planned with our families in XXXX. After doing a lot of research, we felt like Paypal was the simplest way to send the money to him so he could book everything for us, given the language barrier. After sending the money through Paypal, Paypal has decided to close his account. They will not refund the money to me or give him access, so {$9500.00} just sits there for the next 180 days. There are 4 of us going on this trip with our kids, one of the other people in our party also sent a payment for his portion, Paypal has done the same with his money, so $ XXXX is just sitting there for the next 180 days. They wont talk to us, they wont give us any information other than its just closed and there is nothing we can do. I have called numerous times, conferenced XXXX in on the call with Paypal to confirm this is all above board, but they wont budge.
Consumer complaint received 2020-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MA)

HI, This was deleted and why it's back into my credit without any re-insertion noticed?!!! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2016-04-26
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY (NJ)

XX/XX/XXXX/XX/XX/XXXX, prior to utilizing the 0 % promtion on purchases, called Wells Fargo to ask that if I used a 0 % interest for {$10000.00} and then initiated another o % transaction a few months later, would all my payments apply to the first 0 % balance done in XX/XX/XXXX and I was told yes. Based on this information I did the the 0 % interest which expires XX/XX/XXXX and I made significant payments to pay off the balance on the 0 % interest. By XXXX XXXX I had already made $ XXXX + in payments towards paying off the 0 % interest from XX/XX/XXXX. In XX/XX/XXXX I called to confirm my balance and I was told that the first agent gave me the wrong information ( I raised the issue to Wells Fargo customer service and I was told that they listened to the initial conversation I had with the agent, and the information provided was indeed incorrect ). I was then informed that rather than the less than $ XXXX balance I had to pay was more like {$4900.00} and that my payments were applied at a larger percentage to the second 0 % transaction I initiated which expires later in the year / XXXX XXXX. I was then told as a resolution interest fees would n't be charged for the first 4 months after the expiration of the 0 % in XX/XX/XXXX, and the interest charges incurred would be automatically reversed and credited back to my account. The interest was " automatically reversed " once. 
In XX/XX/XXXX, since so many errors were happening, I called to confirm my balance payment and I was told it was now $ XXXX. I was confused since any purchase I made I paid within the billing cycle as to not accrue any interest or incur additional fees. So I emailed Wells Fargo for clarification, they told me the agent I spoke with who gave me the $ XXXX figure was incorrect and that it was a different amount. In the email I specifically asked how much is the payment I need to make in order to pay-off the 0 % interest without incurring any fees, I was now told that I needed to pay by XXXX XXXX XXXX another new amount of {$5700.00}. As instructed I went into the bank and made the payment by the XXXX XXXX deadline. I then emailed Wells Fargo to say the payment amount specified was made on time, and so the original 0 % interest is paid off. I then receive a response from Wells Fargo telling me that the agent gave me the wrong information and I need to pay more money to pay-off the balance, an additional {$1200.00}. And that this was a good learning opportunity for them ... and the client assumes financial responsibility of payments. How can I assume financial responsibility if Wells Fargo cant even give a client correct information on what they owe. Now I owe {$1200.00} that I can not pay on time because I based my financial outlook on the last revised payment. Wells Fargo can not keep changing the goals and expecting the clients to be able to meet this and still sustain other financial obligations.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2022. XXXX, Equifax, and XXXX failed to produce an investigative report on XXXX XXXX XXXX XXXX  accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I Demand to remove the following accounts immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (SC)

There is an amount on my XXXX credit report from bull city financial account number is XXXX for {$230.00}. I was a victim of identity theft, I have filed multiple police reports as well as have contacted the credit bureau to remove this information. I am now in progress of pursing legal action against this creditor as well as the bureau because it has yet to be removed.
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

XXXX XXXX through Convergent Outsourcing are trying collect money from me for an account that I had with XXXX in 2016, I didn't have an account with XXXX in 2016, or any other time, I do not owe XXXX or XXXX, and XXXX has not done nothing to remove it from my credit report.
Consumer complaint received 2021-12-21
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. (PA)

XXXX XXXX XXXX sold my mortgage account to another company called XXXX and I am on time with all of my payments. XXXX XXXX XXXX is no longer my account holder and I would like to get this off of my credit report but two credit bureaus are refusing to remove the information.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

I am having issues with missing information on my credit report. I have a XXXXXX/XX/XXXX XXXX XXXX Account XXXX that is not reporting to my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX, SS XXXX. My account is not showing on any of my credit reports.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am having issues with missing information on my credit report. I have a XXXX XXXX  XXXX XXXX Account XXXX that is not reporting to my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, DOB XX/XX/XXXX, SS XXXX. My account is not showing on any of my credit reports.
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

My loan servicer recently changed from XXXX to SPServicing. I understand that this happens occasionally with mortgage companies. I have been struggling with my payments since COVID started and I was under COVID protection with XXXX, which ends in 2 days. My protection runs out in 2 days. I am 1 month behind in my payments. The new company does not offer any COVID protection. The most troubling thing is that they are charging me a {$15.00} a month fee for making my payment online or over the phone. The only way to avoid the fees is to sign up for direct payments. That is not financially feasible for me at this time. It just doesn't seem legal for this company to charge more to make a payment when they are collecting interest on my payments.
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

Today, XX/XX/2020, I checked my credit file and noticed I have 14 unauthorized hard inquiries. To my knowledge I have Never signed any documents authorizing these companies to pull my credit. I am working individually with each company to get them removed. 

These unauthorized inquiries are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). Since these inquiries are unauthorized I have filled an Identity Theft Report with the FTC.

Included with this complaint are : FTC Identity Theft Report, Letter to Experian, FCRA 605b, Drivers License, Social Security Card, and Proof of Residency. 

These forms are to serve the purpose to identify myself which are required by the FTC for my Identity Theft Report.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

First and foremost, the woman that is supposed to be managing this collection account with XXXX XXXX was very rude and ill twords me when all I wanted to do was settle this debt. This debt has been with me sence XXXX and after XXXX  years it should be removed unless it is a XXXX. They updated this account to make it look like this debt started in XXXX when in actuality its been on my credit report for XXXX years. This is why the information is inaccurate and should be removed. Other than that they can't prove I owe the debt because I never signed any contract with them. Contract law states there is no privity of contract between XXXX XXXX and the 3rd party XXXX XXXX
Consumer complaint received 2022-03-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021. XXXX, XXXX, and Experian failed to produce an investigative report on XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Consumer complaint received 2020-12-29
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. (CA)

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me.

I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2022-10-02
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. (PA)

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. 

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 : 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.
Consumer complaint received 2022-10-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S cod
e 1692k civil liability
Consumer complaint received 2020-12-29
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. (GA)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, and which are all in default, should make it obvious that these accounts are not mine and never were. Please remove them
Consumer complaint received 2022-10-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-02-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bread Financial Holdings, Inc. (NJ)

My account has been paid in full on XX/XX/2021 .Comenity bank until today stills sending me a bill every single month adding interest and late fees, they sent false reports to the credit bureaus, my credit scores was over XXXX and now is under XXXX because of this company. I have call many times and they don't fix the mistake.
Consumer complaint received 2022-10-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX 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 XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX 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.