davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
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. (CA)

XXXX XXXX is reporting a charge-off account on my report. They replied to my previous complaint stating that my address and phone number were verified from public information and refused to delete inaccurate reporting. I request validation and they stated that it was an online application. I have the FTC Theft report attached and now filing the complaint for violation of my FCRA and FDCP Rights. Experian is also refusing to allow me to dispute this on the XXXX portal. Experian Report # XXXX. XXXX XXXX # Re : Account ending in XXXXXXXX XXXX XXXXXXXX Case : XXXX CFPB Case : XXXX
Consumer complaint received 2022-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/2022, a check for {$10000.00} was deposited via atm in my minor child 's account with my name attached. This transaction is fraudulent, and Navy Federal Credit Union is telling me that I am responsible for paying the money back to the banking institution as my child is a minor. I explained that I had nothing to do with the fraud and requested that an investigation take place on my behalf to get to the bottom of who was responsible. I filed a police report on XX/XX/2022, regarding the matter and provided the case number to Navy Federal Credit Union. After further investigation, despite my efforts to prove my innocence, Navy Federal sent correspondence informing me that I am liable for the money and that if I don't pay it back, I am subject to a charge off on my credit report. Navy Federal garnished any funds in my checking account. As a result, I incurred overdraft fees from the banking institution due to creditors trying to debit my account for monthly bills.
Consumer complaint received 2022-09-03
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: Experian Information Solutions Inc. (KY)

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-03
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)

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

On XX/XX/year> I used my PayPal account to reserve a hotel from " XXXX XXXX XXXX '' as I was returning from a long trip. However, my plane arrived on a different day than expected so I did not need this hotel reservation. I tried to resolve with XXXX XXXX XXXXXXXX but they said it was no use, they do not issue refunds. If you XXXX XXXX XXXX XXXXXXXX you will see that the first XXXX results call this site a scam. Since they refused to issue a refund even though I never stayed at their hotel, I contacted PayPal to dispute the charge. It was not easy because it is difficult to get a live human being at PayPal. I was finally able to dispute the charge, and PayPal took several weeks to " research. '' If they PayPal dispute department had done a XXXX search they would also see that there are many complaints against XXXX XXXX XXXXXXXX for being a scam and not issuing refunds. After several weeks, PayPal decided to side with these scam artists instead of their long time customers who pay exorbitant fees to use PayPal. I want PayPal to reimburse me {$130.00}, the amount they never should have transferred out of my bank account and given to XXXX XXXX XXXXXXXX. I also want PayPal to issue an apology to me for poor customer service as I examine the other myriad payment services that are available to use.
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

I am writing this complaint because I have not received enough information regarding an alleged debt furnished to my consumer report by a furnisher who is also a " debt buyer '' named LVNV FUNDING LLC. This debt is stated to be from XXXX XXXX. I am ensuring compliance by providing in this complaint a notice of debt validation regarding the alleged debt by LVNV FUNDING LLC.
Consumer complaint received 2022-09-03
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: Experian Information Solutions Inc. (FL)

I have reached out to XXXX, experian, and XXXX by letter over 30 days ago and I still have not received a response, according to the FCRA credit reporting agencies have 30 days to respond. 

XXXX, experian and XXXX is governed by 15 U.S.C1681.And they have violated my rights numerous of times. I demand the accounts attached to be removed from my account immediately According to 15 U.S.C 1681 I have the right to privacy and I did not give anyone permission to furnish these accounts. 

Please see the attachment and handle according. If accounts can not be removed. I will filing a complaint with the attorney general and filing for litigation.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IA)

I started receiving 100 % VA disability in XX/XX/XXXX. A few months ago I got some letters from my student loan lenders saying that my debt has been forgiven/canceled. This XX/XX/XXXX I filed a dispute on Experian to remove the debt from my credit report. 15 days later the debt was updated to show the full balance on all 3 agencies and made my scored go down 7-10 points. It isn't going away automatically like the forgiveness letter stated and trying to report the forgiveness seemed to make things worse. What can I do?
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

I am writing this complaint because I have not received enough information regarding an alleged debt furnished to my consumer report by a furnisher who is also a " debt buyer '' named LVNV FUNDING LLC. I am ensuring compliance by providing in this complaint a notice of debt validation regarding an alleged debt by LVNV FUNDING LLC.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Paypal Holdings, Inc (CA)

I write to express my deep concern regarding the unexplained denial of my access to PayPal. It has come to my attention that all my accounts have been permanently blocked without any discernible reason. In light of this development, I hereby demand concrete evidence to substantiate the decision to permanently ban me from utilizing XXXX of the largest and most prominent payment platforms in the world. I maintain my innocence and I am fully committed to vigorously fighting against these discriminatory, harmful accusations, and defamatory allegations. 

It is imperative that I receive a comprehensive account of the activities that were used to determine my permanent ban. I seek complete transparency in this matter, as it is my fundamental right to know the basis upon which such a severe restriction has been imposed on my usage of PayPal. I firmly believe that I have been wrongfully targeted and subjected to unfounded reproach. Therefore, I implore you to conduct a thorough investigation into this matter, providing me with all relevant information necessary to effectively challenge these allegations. 

I place my trust in PayPal as an esteemed and reputable institution to uphold the principles of fairness, transparency, and due process. I request that you afford me the opportunity to clear my name and restore my access to the invaluable services your platform provides. I eagerly anticipate your prompt response, which I hope will shed light on the circumstances surrounding this distressing situation. 

Yours faithfully, XXXX XXXX
Consumer complaint received 2022-09-03
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: Experian Information Solutions Inc. (KY)

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-03
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: TRUIST FINANCIAL CORPORATION (CA)

SUNTRUST DBA LIGHTSTREAM Did an inquiry on my credit report in XX/XX/2022. I do not have any open accounts with this business. And I did not authorize any inquiries. I am not doing business with them.
Consumer complaint received 2023-03-16
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. I need the following to be updated right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 2022-09-03
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: Experian Information Solutions Inc. (CA)

n accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. XXXX Account #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 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 THESE ACCOUNTS ARE INCORRECT LISTED BELOW : XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-12-20
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. (MA)

On XX/XX/XXXX I send a dispute to Equifax about the following account XXXX XXXX XXXX XXXX  ( Opened : XXXX. XXXX, XXXX, Credit limit {$750.00} ) that was open by someone that stole my identity. 
With the dispute I also send Equifax an Identity Theft Affidavit. I have done my research and I know that Federal law as is stated on the FCRA, sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), obligate the credit bureaus to delete the fraudulent information in my credit file within 4 days upon receipt of the correspondence. It's been over 30 days and the fraudulent account stills there, and that is preventing me from getting necessary financing.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC (NV)

I have bank statements showing timely payments. 

Global Lending due on the XXXX of each month. 

( A ) 30 days late XX/XX/XXXX. 
1. Bank statement payment was made on XX/XX/XXXX. 

( B ) 30 days late XX/XX/XXXX. 
1. Bank statement payment was made on XX/XX/XXXX. 

( C ) 30 days late XX/XX/XXXX. 
1. Bank statement payment was made on XX/XX/XXXX. 

The vehicle was traded on XX/XX/XXXX but, Global Lending continued listing late payments.
Consumer complaint received 2017-03-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TN)

We are filing a complaint because our mortgage lender is Ocwen Loan Servicing and they have posted a sale date on our home less than 30 days from receiving a notice of such actions. We previously had filed a complaint against Ocwen for failure to apply all of our chapter XXXX bankruptcy payment disbursements. As a recap out of {$8300.00} in payments paid directly to Ocwen from the US Trustees office, only {$5100.00} has actually been applied to our loan. On XX/XX/XXXX, agent named XXXX ID # XXXX, advised us that since we filed the complaint with the CFPB, on XX/XX/XXXX, there had already been some adjustments made to our loan in the amount of {$150.00} on XX/XX/XXXX. The agent went on to say that there would be additional adjustments made and we would be notified once the problem had been fully addressed. To this date we have not heard anything further and out of nowhere we received a sale date notice dated for XX/XX/XXXX, indicating a date of sale XX/XX/XXXX. This is a violation to Tennessee foreclosure procedures law. The laws that govern Tennessee non-judicial foreclosures are found in Tennessee Code, Chapter 21 ( Proceedings in XXXX ), Part 8, 21-1-803 ( Foreclosure Sale ) The Foreclosing attorney for Ocwen which is, XXXX ( XXXX ) 1. XXXX has failed the following actions required by law : Prior to initiating a foreclosure the trustee or other party conducting the foreclosure must notice the borrower of the sale at least twenty ( 20 ) days before the sale and publish the notice of foreclosure sale for at least three ( 3 ) weeks in a newspaper of general circulation in the county in which the property is located. The first publication must be twenty ( 20 ) days prior to the sale date. If no newspaper is available the notice must be posted in at least five ( 5 ) public places, including the courthouse and the property being foreclosed at least thirty ( 30 ) days before the sale. 
Furthermore, since XX/XX/XXXX, my loan has been under review for modification assistance with confirmation of a full complete package as of XX/XX/XXXX. Ocwen is refusing to postpone the sale date and this is considered " dual Tracking '' a federally prohibited offense by mortgage servicers, explicitly Ocwen since the National mortgage settlement. Ocwen is attempting to strip all positive equity from my home and have ultimately forced our home into foreclosure by refusing review of my modification request package.
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (IL)

On XX/XX/2022, i applied for a XXXX XXXX XXXX account to consolidate my credit card balances. I was quickly accepted and the process began working with the credit card companies to get a monthly amount to pay that was acceptable for them. I was informed by XXXX XXXX XXXX that I was to keep my balances clear of fees while they worked on the acceptance program. My XXXX credit card was accepted immediately. While my milestone credit card took another XXXX months. On XX/XX/2022, milestone XXXX XXXX accepted an offer from XXXX XXXX XXXX. I paid my credit card bill for milestone every month and had no late fees. Once they accepted the information I was also informed that i didn't have to continue to pay that credit card bill as XXXX we're taking care of it. Fast forward XX/XX/XXXX, I have acuminated XXXX dollars in late fees and my credit took a massive hit. Milestone ignored the payment plan that they accepted and continued to charge me late fees. Now i don't think that it's fair in my case that my credit tanked XXXX points! All because of late fees that we're out of my control. i've worked with XXXX XXXX XXXX to resolve the problem and they've done everything that they could to get my account back to what it was. Milestone have told XXXX that they would fix my account and I've yet to see any real change. DO NOT GET A MILESTONE CREDIT CARD. Worst customer service on the planet.
Consumer complaint received 2022-09-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (MS)

I purchased a truck ( XXXX ) from XXXX XXXX XXXX XXXX in XXXX, XXXX on XX/XX/XXXX. Wells Fargo financed this loan. At the time of purchase, I had paid the sales tax of {$1000.00} to the state of XXXX ( I am not a resident in XXXX  ) but was also required to pay the sales tax in my local county. XXXX registration goes through the county Tax Collector office. My address is XXXX XXXX XXXX. XXXX, XXXX XXXX, therefore my local branch is XXXX XXXX Tax Assessor located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. At the tax collector they stated that they need the sales tax paid and the title in hand to process my registration. Wells Fargo Auto had stated every time that I requested the title that they wanted a document requesting the title from the tax collectors office. The tax collectors office did not have any process that included requesting the title. Titles are mailed there directly with included check to cover the taxes due. I have processed several cars through the tax collectors office and can confirm that this is my usual experiences. After countless attempts to work with Wells Fargo Auto to properly register my truck so I can use it for its business purposes, I have still been found without my registration or taxes paid so I can drive my vehicle for business purposes. The official process of Wells Fargo Auto has left the question of did the title get processed. After an automated review I get a simple statement showing where the title was processed. I did have on success early in XXXX where they agreed to send the title, but they sent it to XXXX XXXX XXXXXXXX of some nature, and did not accomplish me properly registering my truck. I have been lost in this loop. As the consumer, I truly feel that I have been taken advantage of by both XXXXXXXX XXXX by selling a sabotaged vehicle with accidents for more than {$18000.00} ( 60 % ) over value. Wells Fargo Auto has a management team at the executive office that has been blunt with their statements in not assisting any further because the title was processed and that I need to pay my balance because they are repossessing the vehicle. Regardless how many times I mention that I can't properly register the vehicle, they finally say the investigation will begin and after a time, closes all the same with no results in my truck being registered so I can use it for my business. I purchase the truck XX/XX/XXXX, and the day prior I had purchased a XXXX ' climate controlled enclosed car hauler. The business insurance was immediately added and I began to use the truck and trailer as part of my logistics operation and additional revenue. Once the temporary registrations expired I ceased operations and began an endless loop of miscommunication with Wells Fargo Auto. XXXX XXXX is very manipulative with their selling tactics and did not offer any support at all, simply stated " not our problem ''.
Consumer complaint received 2023-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I have a mortgage through 5/3 Bank. I also have auto pay though THERE bill pay set up through 5/3. My mortgage get auto paid every month on time. Now I am recieving phone calls that I am behind on payments. I have gone to the bank numerous times but no one can tell me what is going on and I can not get an answer. I have proof of my auto withdrawls for every month for the past 2 years. All the bank employees can tell me is for some reason all your money is being held in an escrow account but no one can answer us as to why. Now 5/3 has dinged my credit for 2 missed payments. I have been trying to resolve this through 5/3 for over 6 months and still nothing. Every statement I have attached shows 5/3 bill payment so very confused how it can be late if its auto paid through there own bill payer.
Consumer complaint received 2022-09-03
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. (CA)

XXXX  credit card and bank opened a credit card under my name and info. It has shown up on all three credit report bureaus. Contacting XXXX XXXX XXXX XXXX XXXX would not help with the fraud. Credit card from XXXX was opened XX/XX/2022. Showed up on credit reports XX/XX/2022.