davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (FL)

The reason you use pay pal is because of buyers protection. They have proof on my account from experiencing fraud due to several flagged accounts but yet they dont close them down and they continue to let consumers suffer. This problem Im receiving with XXXX XXXX XXXX is regarding adding organic views to my XXXX channel in XXXX days. When I ordered it I put it in the pay pal msg notes need in XXXX  days. I showed proof that the XXXX views ordered almost half dropped. I emailed the company they ignored me and waited another XXXX days and they were not up so I complained to pay pal. I needed it up for a deadline and it was not there so I asked for a partial refund. Pay pal did not honor or protect me and denied my claim without proper investigation. I selected the reason full refund but I clearly said in my Notes I only wanted {$120.00} of the {$170.00}. The supervisor reopen the case with the right reason partial refund and I sent proof XXXX times that the views keep dropping. The company rushed to do it now that I put a claim in. I no longer need the views! It was for a reason a particular date my page was being judged by an award committee The company but XXXX traffic was also cursing me out and harassing via email when I said stop sending the emails. I reported this to pay pal also. After dealing with this unprofessional company they again deny my case. Pay pal is fraud! There is no buyer protection! They did not give me any credit for what I endured and I showed the proof the views dropped. They are not honoring there buyer protection
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 and list of Inquiries. 


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 2022-11-11
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/ in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-23
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. (VA)

This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM XXXX REPORT : XXXX - XXXX XXXX - XXXX
Consumer complaint received 2021-11-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

I had XXXX  and was laid off. I applied and received the cares act to pay my mortgage for XXXX  months. The cares act sent in XXXX checks to shellpoint / Newrez who has cashed the checks. The first check was sent end of XXXX. Shellpoint cashed it XX/XX/XXXX. These checks have not been posted to my account. I have been calling weekly trying to get assistant. They tell me they see the checks but has not posted to my account. The cares act office and I got on the phone, spent a hour faxing all the information over and now they are saying we have to do this again. If I do this again, it will be with an attorney. This is just ridiculous
Consumer complaint received 2019-12-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc. (NJ)

I was a victim of identity theft and person used information to open a XXXX XXXX card and purchased furniture with some of my information. 

I disputed this account and purchase with XXXX XXXX XXXX and was cleared by their fraud division. They sent a letter and had the account removed from my credit and provided a copy I have as well. 


I saw on my credit report a collection agency by the name of Simons collection agency and have disputed this with them directly. 

I was advised that I should fax in the information from the fraudulent XXXX XXXX card clearing my name and they would review it. 

I faxed the documents about 4 times and they never received them. I later delt with a representative by the name of XXXX XXXX who had my email them the documents to review. 

I later followed up with XXXX who told me these document are not debt they are collecting even though the amounts are the same. He later told me he was requesting a file from the company directly. 

My complaint is I was cleared of this Debt and the company most likely purchased this debt from XXXX XXXX or was hired in an attempt to collect on a debt I was cleared from.
Consumer complaint received 2020-02-27
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: EQUIFAX, INC. (FL)

PLEASE FIND THE ATTACHED DOCUMENT WITH THE DEROGATORY ACCOUNTS THAT HAS BEEN TARNISHING MY CREDIT AND MY SSN. THE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT AND I WOULD LIKE FOR THEM TO BE REMOVED IMMEDIATELY. THIS SITUATION HAS ME DISTRESSED AND I CAN'T BELIEVE SUCH THING IS HAPPENING TO ME. I HAVE NEVER HAD NEGATIVE ITEM ON MY CREDIT AND BECAUSE OF THIS IT IS HARD TO ACQUIRE NEW CREDIT.
Consumer complaint received 2021-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX ... ... I have repeatedly sent supporting documentation in to all XXXX bureaus proving that I am not XXXX XXXX, my name is XXXX XXXX ... .all of of my reports says XXXX XXXX XXXX What more do I need to do to prove that this IDENTITY THEFT! This credit file needs to corrected, with proper name and addresses, all of these accounts need to be deleted immediately because they are not mine. I have submitted the Identity Theft affidavit and per the FCRA section XXXX, these accounts should be blocked and removed. My name should be corrected and address corrected immediately, I have received no correpsondence from either bureau!
Consumer complaint received 2021-11-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

On XXXX I was defrauded by a confidence game scammer that 'hired " me for employment by impersonating an HR administrator for a legitimate company. I was coerced into sending payment for home office equipment via XXXX that I never received, under the pretense that a reimbursement check I was simultaneously sent would cover my upfront expenses. Upon depositing the check, the fraudster stopped the check payment and refused to send the equipment. I then reported the scam ( w/comprehensive detail and offered to provide police reports and supporting documentation ) to Chase on XXXX. At the time, they refused to provide an XXXX on how long the fraud investigation would take or when I would be contacted by an investigator. They also wouldn't take my documentation. I called back on XXXX for an update to learn they denied the claim on the same day ( XXXX ) without communicating anything to me. Highly unethical and not above board. I then asked for a re review and on XXXX, I faxed in a police report, FBI internet crimes report and email exchanges that detailed a clear product not received confidence game swindle. I AGAIN had to call Chase back for an update on XXXX, it was at this time they verbally admitted this was a scam but it was my problem for using XXXX, so they will not assist me and to contact the payer. Contact a fraud network who already refused to give me my money or equipment I paid for? XXXX. I also asked for the customer agent name or ID number along with formal documentation explaining how this transaction isn't covered by Chase fraud protection, and they refused to provide both! Very disappointed in Chase for the appalling way I was treated when I was clearly taken advantage of and defrauded.
Consumer complaint received 2020-02-27
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: Experian Information Solutions Inc. (GA)

Hello I'm trying to move and there is an item on my credit that is not mine. Can you remove XXXX  and some inquiries thats not mine either XXXX/XXXX  XXXX/XXXX XXXX   XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted my local police and the FTC. I am doing this own my own behalf.
Consumer complaint received 2021-11-23
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2021-11-23
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: EQUIFAX, INC. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2022-01-05
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. (NJ)

A XXXX card was opened in my name in XXXX without my permission.The card was eventually closed and charged off due to my identity theft affidavit. 4 years later they are still showing inaccurate information. According to XXXX, the account was charged off in XXXX of XXXX. Experian shows that that card was charged off in XXXX of XXXX. 

Upon receiving requested statements, I noticed that they still have the account open after an alleged charge off. After the charge-off, XXXX is now showing that I have been allegedly making payment after the charge off and the account was re-opened. I have attached a copy of the statements from XXXX starting from XXXX showing that a payment was made in XXXX of XXXX when on XXXX it says the account was charged off XXXX of that same year. Each of the XXXX Credit reporting agencies listed are reporting completely different information which are both inaccurate. 
This has hindered me in many ways moving forward in my life due to this irresponsible reporting. I am looking to move forward without this hinderance.
Consumer complaint received 2021-11-23
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: AMERICAN EXPRESS COMPANY (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2021-11-23
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)

I am filing a complaint under the violation of my FCRA right and Fair credit and reporting act. I have requested numerous times for a full validation and their right to collection so I can validate of this account. I am not aware of this account and demand proof. I have sent numerous letters by certified mail with any result or proof. If you can't provide the company right to collect, please remove this information from my account as its has hampered my financial needs. Please show with XXXX co vendor you used to collect this information as I take my privacy seriously and have opted out all XXXX party vendors who sold my information to the credit bureaus. The account in question is name XXXX XXXX XXXXXXXX Account number XXXX.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

Originally it was a transaction dispute. The bank and I discussed me getting a new replacement debit card. I explained it needed to be rushed delivered because XXXX day was approaching. I didn't know it would be the very next day. XXXX came rung doorbell once and didn't give me time to get to the door they left a door tag. I immediately called XXXX and they explained it would a second attempt then would go back to sender. Few days go by and I decided to go to the local bank. The bank tells me they don't have a debit card for me and to call XXXX back. I call XXXX back and they're telling to go pick up card at a drop-off in XXXX. I go to XXXX and they're telling me they don't have it. Then I call the bank back. By this time I'm livid because of the run around. I was hung up on numerous times by bank representative. I have called the bank numerous times and finally I get debt card yesterday. It took XXXX weeks for me to get and when I tried to activate card it's been reported lost or stolen a dead card. I call to find out what happened. I was rudely hung up on again and still don't have my debit replacement card.
Consumer complaint received 2021-11-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Respected XXXX XXXX XXXX XXXX XXXX XXXX citizen and I have experienced serious health issues during the pst several months including XXXX and other XXXX and XXXX problems. Im on bed rest and in critical situation however these people of capital one are harassing me as Im a XXXX XXXX  citizen and ive no financial means at all. My payment history and everything is excellent as I couldnt no longer monitor and handle my accounts so I had to close then all and I dont know if i will stay alive. I sincerely urge that this financial institution waives my balance or whatever is owed XXXX $ or something which they are saying as i paid everything and they harshly accumulated interest on me as account was closed. Please waive this capital one account with XXXX balance as I cant do anything. I appreciate as Im a XXXX XXXX  citizen and in a really unhealthy XXXX condition.
Consumer complaint received 2021-11-23
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: MicroBilt / PRBC (formerly CL Verify) (IL)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I disputed Experian to remove this address from my credit report because I never lived there and they refuse to remove it. The address that is showing on my credit report is XXXX XXXX XXXX XXXX fl XXXX I have sent in letters numerous of times and they refuse to remove address.
Consumer complaint received 2021-11-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (OH)

On XXXX different occasions XX/XX/XXXX and XX/XX/XXXX I sent XXXX a letter disputing a derogatory mark on my credit from a company that has illegally bought my account from XXXX Bank, now LVNV has my personal information and can not provide me information with my original company. They have sent me the same generic letter twice explaining that it is not on my report. When I sent proof from their website that it is along with the dispute letter.
Consumer complaint received 2021-11-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX Balance {$0.00} XXXX XXXX Balance {$3200.00} GROW XXXX XXXX Balance {$11000.00}
Consumer complaint received 2021-11-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (KY)

Was on active forbarence plan with flagstar called to request to come out and selected the option to put missed payments at back of loan in XXXX was told I would get a letter to except offer and not to pay at this time until after letter was received them today XX/XX/XXXX received letter from a different servicer sayin they own the loan and no offer of any type was reported
Consumer complaint received 2021-11-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

documents would be given to servicer on time and I never got notification in writing on the days of that my loan modification application has been satisfied or complete. I do recall getting emails stating to log in onto the Mr. cooper website but no document until AFTER a decision was made and this has cause a lot of harm because of the inaccuracy and untimeliness of the loan servicers employees
Consumer complaint received 2023-03-23
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. (CT)

n accordance with the Fair Reporting act XXXX acct # ending XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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. This creditor has reported to XXXX XXXX and Equifax