davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been sending multiple dispute letters as well as CFPB complaints against the Credit Reporting Agencies to request the correction of the erroneous accounts and information from my Credit File. Under the FCRA, the Credit Reporting agencies are required to investigate the disputed accounts and correct or fix the information being reported on my Credit File. I am submitting this CFPB complaint once again, to request to the Credit Bureaus to remove the erroneous information being reported on my XXXX XXXX. Please once again, fix, remove, and correct the following accounts from my Credit File : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$51000.00}
Consumer complaint received 2023-05-28
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. (IA)

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, DEPT OF ED XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In XXXX with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, DEPT OF EDXXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-14
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX .... Balance : {$2300.00} ; XXXXXXXX XXXX XXXXXXXX XXXX .... Balance : {$630.00}
Consumer complaint received 2022-11-12
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. (TN)

In accordance with the Fair Credit Act. XXXX XXXX XXXX ( Account XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States that 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 2024-02-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (GA)

The second week of XX/XX/year>, I received a 1099c from Wells Fargo Home Mortgage. The following week, I received a letter from their attorney attempting to collect a debt and threatening to sale the property.
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (RI)

Dear XXXX XXXX ; XXXX RADIUS GLOBAL SOLUTIONS ; This was remove from the waypoint collection company as fraud. 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.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (CA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-14
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. (FL)

I appreciate your time to REMOVE some of the information in my file that resulted from the identity theft but I have Accounts left that need to be removed. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT #. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. I am submitting this CFPB once again, to request to you to remove the disputed fraudulent accounts and information from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}. Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2022-11-14
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)

On XX/XX/2022 I mailed my FTC identity theft report to XXXX via Certified mail they received my document. In Pursuant to 15 USC 1681 c-2 ( a ) transition has 4 DAYS from the data of this notice to comply with my demands as set forth in the context listed in my FTC report . I have called the specialist fraud department about my FTC report and they stated It takes 30 days for an investigation. They sent my completed investigation after one week which isn't a full 30 day for an investigation. Please be clear that no consent or authorization is IDENTITY THEFT! Transunions willful noncompliance has resulted in identity theft which I demand to Cease & Desist! Pursuant to 15 USC 1681 a ( 2 ) Congress makes it clear that a consumer report does not contain any transactions and or experiences to be updated in accordance with my written instructions. I have called and contacted the dispute and the fraud department. This will be my final time reaching out to have these items removed off of my credit report. I am ready to litigate if my rights continue to be denied by XXXX. I have the attached documents and my FTC report that they failed to correct on my consumer report. As a consumer I have the right to a 100 % accurate consumer report under the FCRA. I have contacted and mailed letters numerous times and the fraudulent accounts have not been removed. I have contacted the Attorney General XXXX XXXX on serval occasions and XXXX has failed to remove the items
Consumer complaint received 2023-10-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY (CA)

I redeemed my points to purchase gift cards with American ExpressXXXX prior to closing my AMEX account. I was told that I would get the digital cards via email within 24 hours, but I didn't get any email concerning that. I tried to use AMEX website to get to the " digital wallet '' but it says " This account is ineligible for gift card redemption. '' I spoke to their customer service numerous time and all they say is use the link http : //www.ecerts.americanexpress.com to access the cards, but it takes me to the same error message above " This account is ineligible for gift card redemption. ''
Consumer complaint received 2023-05-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

These inquiries are too old to be on my credit report : 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 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Since XXXX of this year and every month until now Ive been writing complaints about the incorrect information that's reporting on my credit report. The information reporting is inaccurate.
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Home Point Financial Corporation (NJ)

1. ) back in XXXX of XXXX Home point ( H.P ) was servicing 2 of my loans both were being auto drafted from my checking account. 

2. ) H.P has 2 locations one in XXXX NJ, and one in XXXX Texas, so they switched serving the loan from the XXXX, NJ location to the XXXX location, this transition period took place during the missed payment period XXXX of XXXX, however, I was not made aware of this transition.. 

3. ) They claim that they sent me letters, and they also claim that they called me 35 times on my cell and my land line. and i said to them that i do not have a land line that takes calls it is a land line set up for a fax scan. only. I also asked them if you called my land line you should have known that it connects to fax not a phone. so then i asked why would you not fax the communication when you were calling the land line knowing that it giving a fax single, i also asked how many time did they call the land line and how many times did they call the cell. they did not reply. 

4. ) They claim that they sent me a goodbye and a welcome letter which i replied that i never received or that it may have been delivered to wrong address or not delivered at all. I also requested to see the letters that were composed and the proof that they were mailed to me. they never replied, 5. ) so during this transition from H.P of XXXX NJ to H.P XXXX Texas the scheduled auto draft was not executed, so as a result H.P is reporting that i was between 30 and 59 days late. So now this has negatively effected my credit in meeting the eligible criteria.for certain loan products, and it stay on my report for 7 years.

6. ) Once i was notified by letter that the payment was not drafted i called right away and settled the missed payment and current payment.

7. ) I have sent in numerous request to home point explaining these circumstances on XX/XX/XXXX XXXX XXXX. It seem that they have the ultimate say where they think they have the power to be the judge and jury.

8. ) I am hoping that you will be able to help me regarding this matter with H, P
Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank closes 5 account stating the I was a high risk for failure pay. 3 account are {$0.00}. One {$2500.00} approx and another {$6600.00} approx. 
I have never missed a payment and I have an excellent payment record. 
Call bank and they claim the credit bureaus reported me as a high risk. I checked all my reports and call all credit bureaus and none claim that I am a high risk. I have never missed a payment and that is what my statement reflect. 
Call bank again and they told me they can not help me an log the complain. They can only see that I am a high risk and no other information has been given. 
I have asked all the operators I talked to if I was delinquent in any payment. They all confirmed my accounts were always pay on time. 
I want to understand why Synchrony Bank is lying about my financial behaviour and why they closed my account with no really fundament in their claims.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (GA)

Previously had an account with Navy Federal back in XXXX, In XXXX account was hacked and my card was stolen. I had absolutely no access to funds and transactions with a card. Card was never investigated as I reached out to company Navy Federal and no proof was given I reviewed my credit report again in XX/XX/XXXX and the account continues to reflect on my credit report. nor has my credit report been updated to reflect that the account is disputed/deleted. I find that the creditor does not have the authorization to access the account nor authorization to attempt to collect on the account and the account continues to NEGATIVELY affect me. Several laws/ codes have been broken as I have all right to protect my personal information. Please REMOVE / DELETE this account effective immediately from all credit bureaus ( XXXX, XXXX, XXXX In accordance with the fair credit reporting act XXXX Account # 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 purpose. 15 USC 1681B : 15 USC 1681S2 : Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681i ( 7 ) : 15 USC 1681e ( b ) and Cares Act has resulted in an FCRA violation
Consumer complaint received 2023-02-10
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. (TX)

I am relocating for work and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IA)

My student loans are serviced by Nelnet. When I started XXXX  school, my new XXXX  loans were automatically placed in deferment. I submitted a request through the Nelnet website to also place my XXXX loans in deferment, but Nelnet has not responded nor have they updated my loan status. They do not answer calls or emails. I am still being charged interest and expected to make payments each month. My first request was in XX/XX/2023, nearly two months ago.
Consumer complaint received 2024-02-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

During the month of XXXX and XX/XX/2024, I shopped on XXXX and purchased several items from the same seller. Consequently he refunded several shipping fees to me that were charged with each individual transaction. He consolidated shipping so consequently refunded shipping fees. These refunds posted to my PayPal " Activity '' in XXXX and XX/XX/2024, beginning on XX/XX/XXXX to the present. Several of these refund bank transfers indicated " completed '' by Paypal, but these transfers were never made. I have contacted PayPal more than once about this. They said they would investigate and get back to me soon. That has not occurred. I am a XXXX XXXX XXXX XXXX  living on social security. Consequently, I need these funds refunded immediately. My complaint falls under bank transfer refunds never made by PayPal to my XXXX checking account XXXX XXXX credit card on file with Paypal. PayPal has all of the referenced XXXX and XX/XX/2024 transaction id numbers, dates and amounts. I have provided PayPal with all of this information.
Consumer complaint received 2024-03-21
Product: Credit reporting 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)

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 XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (TX)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2023-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

XXXX dollars was paid through paypal XX/XX/23 for my phone service XXXX. 

how ever on XX/XX/23 XXXX suspended my service for non payment.. 

*i had to use my debit card to pay to get my service back on.. 

i confronted XXXX  and paypal.. 

XXXX  said they see the payment but can't trace the money in their system.. 
( ergo my service was suspended .. ) Paypal XXXX it's wasn't a double payment so there's nothing they can do.. 

Here 's the question i have for Paypal : so if XXXX  doesn't see the payment from Paypal? 

1 ) why does paypal have a problem REFUNDING my money that still shows as paid through them which XXXX  claims they never got?!! 

*i want one or both to pay me back my XXXX dollars..