davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (CA)

PayPal is disabled my account. PayPal permanently limiting my account without any reasons. My account is active and it is in good standing, I do not have any dispute transaction either. I already spoke to multiple representatives and they not even helping me. Its been more than a month. Please take action against PayPal.
Consumer complaint received 2022-03-08
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 thedate of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2021-06-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Gm. I wanted to have Credit Acceptance investigated and the credit bureaus at fault for keep updating my dispute as VERFIED! I dont recieve nothing as proof showing how these amounts Are! You can't just verify on debt cause the creditors told u its valid..First I see they still reporting that I Involuntarily had the car repossessed when in fact mid XXXX of XXXX I called them and let them know I couldn't pay for the car at that time after being persuade to just call in if future payments couldnt be made but I let them know it wasn't looking good so thats why when the impoundment showed up one morning I gave him my keys ( Is that involuntary? ) Also, SINCE THEN THE CAR BEEN SOLD!. But they are saying I still owe the same amount after making payments over time and still same high balance in which over these few months I have disputed with the company and the 3 major credit bureaus, I just start noticing that every month on this CLOSED account that my balance gets higher and higher, also is being included as a OPEN debt in Balance of all my good standing accounts. I seen on XXXX after trying to research this company that they have similar law suits out against them for being deceitful and overcharging. I hope they not trying this tactic on me and hope this is a mistake. I never denied have a account with them but proof of how I owe this much and documents of how much car sold for and want to know, How they have the Right to keep Reporting to bureaus a different amount ever month? I hope we can find some resolvemment in this concerning matter.
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (VA)

Since XX/XX/XXXX of XXXX my account has been withdrawn of - {$400.00}. I have never authorized them to let payments go through when there isnt any monies in the account. I have complained and I am willing to make arrangements if need be. But I have accessed overdraft fees and Im not willing to pay that.
Consumer complaint received 2021-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I discovered fraudulent charges on my credit card while they were pending around XX/XX/XXXX & informed Capital One. They said they could not help me until the charges were posted. The charges went from 1 item/transaction/purchase to 3. I called a few more times ; they said they still couldn't help me until the charges were posted ; I called again after the were posted. I've called them now around 10 times & it's a nightmare ; no one answers in the fraud department ; average wait times can be over 30 minutes during normal business hours & often, you get someone that can not speak XXXX understandably. You try calling their fraud department, XXXX. Often, they do not connect you to the fraud department & you have to find that out after speaking with someone & giving your information, only to be transferred to the fraud department. You can not contact the company through their web site, after logging into your account. I am coming up on two months of dealing with this stupidity & the company is offer close to zero help. Can you please help me resolve this matter? thank you!
Consumer complaint received 2017-03-13
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK (VA)

On XX/XX/2017 I received a letter from my credit card company ( Discover Card ) that they have reduced my credit limit from {$4600.00} to {$4300.00}. They have not provided my any explanation for the action. I have been current and have never missed on all my payments. This lowers my debt to credit ratio thus lowering my credit score. This, in turn keeps the interest very high for this card, thus extracting more money from me in the form of interest. This is a form of " loan sharking '' and is illegal.
Consumer complaint received 2022-03-09
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/2022. And now we are in the month of XX/XX/2022, 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. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-06
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: Insight One Solutions, LLC (FL)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-01-06
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 noticed several unauthorized inquiries on my credit report. I filed a FTC report on XX/XX/2022 and I feel like my rights have been violated. Please fix these errors with XXXX, XXXX and Transunion. 

Attached : FTC Report
Consumer complaint received 2021-07-06
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2020-04-06
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. (MD)

THE PRIORITY XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2021-07-06
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: The Bureaus, Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (TX)

I had an account with Wells Fargo back in XXXX. It went to collections and I paid them off in XXXX for $ XXXX. Now I am getting calls from XXXX ( XXXX XXXX XXXX stating I owe them over {$3000.00}. They are also calling my mom, brother and husband. I searched the number and it is pulling up scam and fraud. They told me they never received my payment and they have sent me two letters about this. I have never received those letters where I reside now. They are stating I am going to have to go to court to dispute this info. They also asked me to call them back at XXXX ( XXXX ) XXXX.
Consumer complaint received 2022-03-08
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2020-01-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under CMRE. I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account was listed as disputed by consumer but I had not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXXand the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that these accounts belong to me and all information is correct.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

This has been an ongoing issue for years. Equifax refuses to release my information. They say that they can not verify my social security number. On XX/XX/XXXX I mailed a certified letter with XXXX that contained ; a cover letter stating what I needed done, a copy of my social security card, and a copy of my Florida Drivers License. They received the letter on XX/XX/XXXX. Certified mail tracking number XXXX. 

I called Equifax on XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX On calls XXXX and XXXX they informed me of the documents I needed. On calls XXXX I was told that it takes 5-10 business days for files to be processed. On calls XXXX, I was told to reach out to the lenders I have borrowed from and verify they report to Equifax. ( Below I have listed the XXXX lenders that I called to confirm if they report. ) On call XXXX I was told that they have not received anything from me. I gave them the certified mail number and asked them to explain why it hasn't been processed after a month, they would not answer. I was then told that because I'm not in their the system they can't do anything. When I asked how I create an account in their system, they said that it would be created as soon as lenders reported my information. I brought up that lenders have been reporting my credit since XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX They confirmed that they report to all 3 credit bureaus with my Social Security number . 

XXXX XXXX XXXX - They confirmed that they report to all 3 credit bureaus with my Social Security number.

Discover Bank - They confirmed that they report to all 3 credit bureaus with my Social Security number. 


Equifax client I was working with gave me their id as XXXX, XXXX XXXX, I
Consumer complaint received 2016-04-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (OR)

XXXX XXXX XXXX, Personal Representative of The Estate Of XXXX XXXX XXXX Case no XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, As Trustee, Successor In Interest To XXXX XXXX XXXX XXXX XXXX, As Trustee, Successor By Merger To XXXX XXXX XXXX XXXX, As Trustee For XXXX XXXX XXXX XXXX I Trust XXXX, Asset-Backed Certificates, Series. and SLS Specialized Loan Servicing LLC RE : Estate of XXXX XXXX/ Deceased Please receive this written correspondence as a complaint and as a pleas for assistance to save my home. 

My mortgage servicing company Specialized Loan Servicing LLC neglected to decision my application for home modification assistance even though I have fulfilled all the underwriter request by sending a full XXXX multiple times. The first packet I sent was in XXXX 2015, receiving an verbal acknowledgment from the underwriter that all required documents were received, therefore I would have a decision within 30days. well a decision never arrived. The only documents I received were letters stating my home was going to foreclosure. 

Of course upon receiving a threatening letters rather than the promising one I was expecting. I decide to call SLS to check on the status of my loan. I was informed that my loan was assigned to different underwriter who now is in need of a XXXX application for loan modification assistance. I of course complied with there request and sent in another application in XXXX 2015 and just as the last time I followed up with SLS to confirm there was nothing else required. To my surprise my loan was not assigned to a different underwriter. At This point in my dealing with SLS I Can only assume the company and their staff is either incompetent at best or their in the business practice of intentionally neglecting to assist me with foreclosure alternative in oder to reap the benefits of foreclosing on my home therefore stripping the equity from another XXXX XXXX Family in a already gentrified community. 

As a Government agency established to protect consumers such as myself I am requesting immediate assistance with my loan modification process as well as holding all foreclosure proceedings. 

Thank you all in this important matter XXXX XXXX XXXX, Personal Representative of the Estate of XXXX XXXX XXXX
Consumer complaint received 2022-02-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (IL)

Jefferson Capital LLC. Contacted me months ago about a dept was from 14 years ago and they are with drawing it out of my checking account.. and they said it had to be paid.. I took care of this matter years years ago ... how can they do this... I had solved this problem ... my husband passed.. I now try to get back up... looking for houses and now. They messed it up... this was taking care of .... and also my credit score is down.. can even open my credit score cause.. to see what I have on it. That will mess my credit score up too.. I really need to look at my credit score to get a home... I had a credit check from a agent and it was NOT all that good... I don't even know what is listed on my score... how can I talk to a credit bureau to check it with out hurting it.. XXXX XXXX
Consumer complaint received 2022-02-28
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. (WA)

THE FOLLOWING ACCOUNTS LISTED BELOW ARE INACCURATE AND MUST BE DELETED FROM MY CREDIT REPORT. 

XXXX XXXX  XXXX The monthly payment on this account is inaccurate. Experian is reporting - as the monthly payment and XXXX is reporting {$330.00}. The last date of activity is also inaccurate. Experian is reporting XX/XX/XXXX as the last date of activity and XXXX is reporting XX/XX/XXXX. 
PLEASE DELETE AND REMOVE IT FROM MY REPORT
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My XXXX credit report is showing that I filed for bankruptcy, I contacted the bankruptcy court and their files doesn't show that I filed, this information should be deleted for violation of my FCRA rights 15 usc 1681c-2, I demand this information be deleted and blocked from my credit profile immediately. I also sent validating information to XXXX proving my case with documentation and they responded back saying it was verified. Also XXXX and other 3rd party credit agencies are not handling consumer credit reports and disputes according to the standard of the FCRA law.
Consumer complaint received 2022-02-28
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, XXXX. Account # XXXX, XXXX BANK XXXX Account # XXXX, XXXX LOAN SERVICES Account # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-28
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. (SC)

PURSUANT TO 15 USC 1681 ( a ) ( 1 ) CONGRESS MAKES IT CLEAR THAT THE BANKING SYSTEM IS DEPENDENT UPON MY CONSUMER REPORTS BEING FAIR AND ACCURATE TO ME. MY CONSUMER REPORTS ARE IN FACT NOT ACCURATE OR FAIR. XXXX, EXPERIAN AND XXXX HAS PRACTICED ILLEGAL AND UNFAIR REPORTING METHODS BY TAKING INFORMATION FROM ALLEGED CREDITORS AND DEBT COLLECTORS PROCEEDED TO REPORT THIS INACCURATE INFORMATION WITHOUT MY CONSENT OR CONSULTING WITH ME TO CONFIRM OR VARIFY IF THE INFORMATION WAS ACCURATE OR NOT. IF YOU DO NOT DELETE THESE NEGATIVE, UNAUTHORIZED, ILLEGAL TRADELINES FROM MY CREDIT REPORT IMMEDIATELY I WILL NO LONGER EXTEND MY CREDIT TO ANYONE OR DO ANY BUSINESS WITH YOUR COMPANY. I XXXX XXXX XXXX AM THE CONSUMER, CREDITOR AND NATURAL PERSON AND I EXERCISE MY RIGHTS GIVEN TO ME BY THE MOST HIGH XXXX  AT BIRTH.
Consumer complaint received 2022-03-01
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)

On XX/XX/2021 I informed EXPERIAN I have become a victim of identity theft. EXPERIAN continues to report fraudulent accounts on my consumer report which has caused me stress, XXXX  and defamation of character.