davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-24
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. (OR)

We were under a XXXX forbearance but have begun a loan modification with XXXX XXXX Our first payment was made XX/XX/XXXX. Then on XX/XX/XXXX a change on our account prompted XXXX alerts from Experian and XXXX saying that there is new " major derogatory '' information on my credit report. This new information seems to be related to the fact that we made our first mortgage payment under the new terms of the modified loan. The comments on the account in question say " paying under a partial payment agreement, '' meaning that the amount we are paying is less than the monthly amount of the previous loan. It was our understanding that a XXXX forbearance would have no negative consequences to our credit report, so I called both Experian and XXXXXXXX XXXX and asked them to correct this error. A new letter, dated XX/XX/XXXX, from Experian says that they updated the information, but the supposedly updated information is unchanged. It still says exactly the same thing, word for word. The letter says the following : " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. '' I am not sure what I should do at this point, but this seems to be an error that XXXX should correct. Please help.
Consumer complaint received 2021-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

My mother was the orignal mortgage holder but she passed away on XX/XX/XXXX. She had XXXX children. On XX/XX/XXXX we started the succession process and completed it on XX/XX/XXXX with the Judge 's signature on the Judgement of Possession. On XX/XX/XXXX the mortgaged home was damaged by hurricane IDA. On XX/XX/XXXX the insurance company issued a check to make repairs. The check was made out to my mother and the Bank of America. I submitted the check and the Judgement of Possession to the the Bank of America on XX/XX/XXXX. Bank of America returned check saying that we needed a Trust ID. Since that time, I have made numerous calls to the Bank of America and basically getting the run around with some the representatives saying everything was in place. Each time I am still getting this form letter returned to me and the house remains damaged. I have worked with the Bank of America Estate services and the loan manager for the account. Each time I am promised that the situation will be escalated and resolved. But, nothing ever happens.I am desparate to get the house repaired and even offered Bank of America the option to keep the funds and distribute them to the contractors.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (TX)

XXXX ( Venmo ) XX/XX/XXXX, XXXXXXXX XXXX CDT Dear XXXX XXXX, My name is XXXX with PayPal 's Office of Executive Escalations. Your outreach regarding PayPals Venmo product was forwarded to me so that I can fully address your concerns. 

I regret the frustration and difficulty you experienced with the suspension on your Venmo account. I understand how this would be a cause for concern and I appreciate you bringing it to our attention. 

On XX/XX/XXXX, you created a Venmo account ( Account ) at which time you agreed to Venmo 's user agreement ( User Agreement ). 

On XX/XX/XXXX, you received a direct deposit in the amount of {$670.00} for unemployment benefits. 

In order to prevent fraud and help ensure the safety of the Venmo system, Venmo routinely reviews account activity. On XX/XX/XXXX, we carefully considered a number of factors that, when viewed together, indicated there was a high level of risk associated with your Account. Specifically, Venmo identified risk associated with the unemployment benefits you received from the state of Louisiana. 

Pursuant to the Restricted Activities section of the User Agreement, In connection with your use of our websites, your Venmo account, the Venmo services, or in the course of your interactions with us, other customers, or third parties, you must not Violate any law, statute, ordinance, or regulation ( for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising. ) As such, to maintain the security of our network, Venmo suspended your Account as permitted under the Holds and Limitations section of the User Agreement. Venmo notified you of this action via email and requested that you provide your government issued photo ID to verify your identity. On that same day, you provided the requested documentation to Venmo. 

On XX/XX/XXXX, Venmo completed their review of your Account, and determined we were unable to mitigate the risk associated with your Account. As a result, Venmo decided to cease offering our services to you as permitted under the Restricted Activities section of the User Agreement. We notified you of this action through an alert prominently placed on your Account 's overview page. 

On that same date, you were also informed that your Account balance would be held for up to 180 days, at which time we would email you with information on how to access any remaining funds. 

On XX/XX/XXXX, Venmo conducted an additional review of your Account and determined that we would be unable to release the remaining balance at this time. 

Basically there was a {$670.00} unemployment check that was accidenlty depositied into this account, from my then spouse, XXXX XXXX XXXX from the state of Louisiana. I sent all documentation his and mine, social security cards, bank statements, info from unemployment, identification cards etc. 

We still have not received any of the other {$6000.00} that is in the account.
Consumer complaint received 2021-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Affirm Holdings, Inc (NC)

Affirm is double charging interest rates and rolling this unlawful double charge into its finance charges in violation of applicable law ... the purchase price for a XXXX XXXX XXXX  on XXXX was {$340.00}, and with tax ( North Carolina sales taxXXXX 4.75 % = {$16.00} = {$360.00} ) but affirm 's unlawful loan terms require me to pay back a principal balance of {$390.00}... ok it's more than double the interest rate which is even worse and more of a TILA violation ). All I know is I was charged {$370.00} from XXXX for this order and this is the highest balance I should be charged interest on... please help!!!
Consumer complaint received 2021-12-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (CA)

AD ASTRA RECOVERY SERVICES , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To : The XXXX XXXX XXXX XXXX for AD ASTRA RECOVERY SERVICES , INC . 


From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 


You will forthwith return and transmit your written evidences of your delegated authority to represent that you and Speedy Cash 308 is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX  to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages.

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX XXXX
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently disputed this account due to inaccuracy and it was REMOVED from XXXX, XXXX, and Transunion. 

The account just reappeared on my credit reports, which now its reporting 90 days of late payments, when the account has been CLOSED prior to XX/XX/2021. 

How does a CLOSED account report late payments? The account is not OPEN, which continues to make this INACCURATE reporting violating the FAIR CREDIT REPORTING ACT. 

This account continues to report inaccurately and MUST be REMOVED from my credit report immediately.
Consumer complaint received 2021-12-24
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. (TX)

I recently disputed this account due to inaccuracy and it was REMOVED from XXXX, Experian, and XXXX. 

The account just reappeared on my credit reports, which now its reporting 90 days of late payments, when the account has been CLOSED prior to XX/XX/2021. 

How does a CLOSED account report late payments? The account is not OPEN, which continues to make this INACCURATE reporting violating the FAIR CREDIT REPORTING ACT. 

This account continues to report inaccurately and MUST be REMOVED from my credit report immediately.
Consumer complaint received 2021-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: INTEGRAL RECOVERIES, INC. (CA)

I received a letter today trying to collect a debt against " XXXX XXXX '' by the debt collector company integral recoveries. My name is actually XXXX XXXX XXXX. 

The debt is owed to the state of Utah. I've never been in Utah. I have no business with anybody in Utah and i would not have any reason to owe that amount. It is clearly a case of mistaken identity. 

I tried to contact the company, but all of their telephones are unresponsive and they do not provide any email mechanism to get in contact with them.
Consumer complaint received 2022-08-31
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Multiple accounts in collections that are reported as open accounts showing balances. This is heavily decreasing my credit score and preventing me from being able to get car loans or credit cards. The amounts are more than the original credit card balances and bills and the accounts should be closed and have {$0.00} balance on my credit report. I have attached screenshots from my XXXX XXXX, and transunion reports.
Consumer complaint received 2021-12-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (FL)

XXXXXXXX XXXX XXXXXXXX  which is the name of the doctors office I have been a patient at for several years is reporting a collection in the amount of {$270.00} that I know nothing about. I have not had a lapse in insurance coverage. I am currently working for The State of Florida since XX/XX/2014 with no lapse in insurance. Before that I worked for XXXX XXXX XXXX XXXX XXXX  now known as XXXX XXXX XXXX XXXX for 15 years with no lapse in coverage. 

I have filed a dispute on the XXXX XXXX website which they send the response to me that the collection is verified. I am a person who pays ALL my bills on time as my credit report shows. My insurance premiums are deducted from my payroll. I am currently a patient with XXXXXXXX XXXX XXXXXXXX. When I question them they have no idea what I am referring to. 

First Fed Credit Control is the agency listed on my credit report that is handling this for XXXXXXXX XXXX XXXXXXXX.
Consumer complaint received 2021-12-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Additional options to communicate. Written has been attempted as well. Only provided option by phone though that was earlier issue. Hearing impairment. Earlier attempts have failed. Identity theft report to Bank of America occurred when individual used phone to dial in automated system to change address, led to an overpayment several times and caused a refund that then they used to negate my account. Since I still owe and have failed to resolve. See attachments.
Consumer complaint received 2021-12-24
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. (GA)

Multiple accounts in collections that are reported as open accounts showing balances. This is heavily decreasing my credit score and preventing me from being able to get car loans or credit cards. The amounts are more than the original credit card balances and bills and the accounts should be closed and have {$0.00} balance on my credit report. I have attached screenshots from my equifax, XXXX, and XXXX reports.
Consumer complaint received 2022-08-31
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)

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected and deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$990.00}
Consumer complaint received 2022-08-31
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

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 a account without instructions, 15 USC 1666B : A cred payment on a credit cal open end consumer cre purpose. 
ran for any purpose
Consumer complaint received 2021-12-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

I attend XXXX XXXX XXXX XXXX from 2011 and was unable to complete the program due to lack of resources. The school falsify certified my eligibility to benefit from its training and charged excessive loans. And in the following year, the school was closed due to fraud. I was aware this year that this loan could be discharge due to its lack of merit. I have already paid XXXX in loans.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I did a complaint with the CFPB on XX/XX/XXXX regarding XXXX XXXX the dispute in progress was completed on XX/XX/XXXX, I got a alert message from XXXX XXXX that the account was removed I also have attach pictures of that, I go back on Equifax website showing that they updated the information on XXXX XXXX and the account stating it still belongs to me which is incorrect fraudulent information. I dispute again on CFPB website because they are still reporting this information on my credit report and it is fraudulent activity I submit a complaint on XX/XX/XXXX it was compleated on XX/XX/XXXX and it also dropped my credit score XXXX points I would like to dispute this information they reported XXXX XXXX two times on my credit report and the inquiries dropped my score. I need to dispute the score decrease on my credit report and multiple times of Equifax reporting XXXX XXXX twice on my credit report and decrease of my credit score. When XXXX Was delete it once before and it appear back on my credit report then after the dispute they completed the same day within a XXXXXXXX XXXX period and it also reporting again on my credit report and dropped my credit score tremendously by XXXX points this is fraudulent activity that is going on with my credit report. Im one of the victims of the Equifax data breach settlement lawsuit I also have attachments of that I am trying to resolve this matter regarding XXXX XXXX on my credit report and now that my credit report has decreased in the score tremendously XXXX points is in accurate It dropped my credit score tremendously when it should not have dropped my score when fraudulent activity reporting on my credit report Equifax report the same inquiry again on my credit report and my credit score dropped XXXX points when it shouldve never been reported the same inaccurate fraudulent Account with XXXX XXXX.
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Please remove these negative items off my report it has been more then thirty days and I have not been notified but the bureaus at all these accounts have not been verified and I did some research and if its not verified it has to be removed and original documentation has to be shown I am completely frustrated by not having these items remove