davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (NY)

On XX/XX/XXXX this company sent via the mail a debt collection letter for an account that was settled with the original creditor. I emailed them immediately as their letter stated to do so via email with proof that the debt was already settled with the original creditor via a settlement and sent them the following request. amongst that request was a cease and desist of contact until all of the information requested was provided. 

On XX/XX/XXXX these people called again but have not provided any of the requested information as to date. They are claiming i owe more of a balance while my screenshots of the agreement shows the amount agreed to and paid to settle the original debt. I requested the below on XX/XX/XXXX and demanded to not being contacted until it is provided, yet they called me again. 

>>letter sent<< I was contacted by your firm via letter on XX/XX/XXXX stating I owed {$5200.00} to XXXX. However, I do not owe this debt. Attached are screenshots of conversations had with XXXX showing that an agreement was made and entered into for a settlement and was PAID years ago. This was also reported to the New York Attorney General 's office when XXXX tried to continue collecting after the settlement was paid. 

I am informing you that I dispute the debt youre claiming I owe. 

I am hereby requesting that you please provide me with ALL of the following : XXXX Documentation that proves there is a legitimate reason you think I owe the debt, including a copy of the original contract with my hand written signature, or provide me with a copy of the written agreement that created the original requirement to pay with my signature. 

XXXX The age of the debt, including when the last payment was made. 

XXXXThe most recent billing statement the original creditor sent to me. 

4-When you purchased this debt and how much you purchased this debt for. 

Again, this debt was settled and paid with the original creditor as seen in the attached screen shots. I am more than happy to re-open the complaint with the New York Attorney General 's office pertaining to the original creditor breaking the settlement contract once it was paid in full as agreed upon. 

Until you can provide me with ALL of the above requested information, please cease all communication with me and note on your records that I dispute any responsibility for this debt. If you are reporting this information to a credit bureau or have already reported it, report that I am disputing this debt.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Roadrunner Account Services, LLC (TX)

In accordance with the Fair Credit Reporting Act, 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 have violated my rights. 


15 USC 1681 Section 602 states I have the right to privacy.

15 USC Section 604 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.
Consumer complaint received 2024-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/2024, I made XXXX, {$100.00} increments to my PayPal balance totaling {$400.00}. I later went to pay a bill and discovered the money was gone. I immediately reported it to PayPal and although they looked into it, they say because it shows in the app that I physically sent the money that they could not help me. 
I never ever made those transactions out of my account to anyone anywhere including this so called XXXX XXXX person. I noticed after the fact that the {$3.00} I had in there was used to make a small transaction prior to but I never took notice to that. I dont recall getting an alert either. After that apparently, thats when the bigger amount was gone. PayPal then send me an email telling me my case was closed and money could not be recovered. 
I received a text message after midnight last night from a supposed friend from a number I am not familiar with at all, expressing how and what happened concerning the hack. 
The XXXX, NJ XXXX  XXXX has obtained additional information as well as photos of the individual involved who is believed to be the suspect. He resides in XXXX I have sent him a {$25.00} amount of cash to his XXXX XXXX card this past weekend with a promise to pay back and never received. This individual is big on using XXXX phones, XXXXXXXX XXXX and has now requested a new XXXX XXXX card the other day. 
This was someone I truly believed to have trust in but he is extremely intelligent and very knowledgeable and hacked into my accounts to make it all look like I did the transactions on my own.
Consumer complaint received 2023-08-08
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. (NY)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, REMOVE the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 2022-04-17
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX account # XXXX account # XXXX, is violating 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 also states a consumer reporting Agencey can not furnish a account without my written instructions.
Consumer complaint received 2022-10-17
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. (AZ)

I am submitting this CFPB complaint in regard to the erroneous accounts being reported by the Credit Bureau on my Credit Report. I have read that Credit Reporting Agency is required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I previously requested the Credit Bureau to update the payment history of the accounts in dispute. Upon reviewing my updated Credit report, I immediately noticed that the Accounts in dispute are still reporting as late. If the Credit Bureau chose to not comply with the law and does not correct the payment status of the following accounts, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureaus to correct the following accounts : XXXX XXXX XXXX Balance Owed : {$220000.00} ; XXXX XXXX Balance Owed : {$960.00} ;
Consumer complaint received 2022-04-17
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. (MD)

In accordance with the fair credit reporting act XXXX XXXX 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 l 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 account without my written instructions.
Consumer complaint received 2022-10-17
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. (RI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2023-03-10
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. (CA)

XXXX Last reported XX/XX/XXXX {$1500.00} Reported as an " Open Balance with all three credit agencies. 

Dispute reason : The original creditor & the collection agencies OR the new company reporting the account has a balance. This is a violation. 

OVERVIEW Highest balance XXXX XXXX  Monthly payment {$0.00} Opened XX/XX/XXXX ( 3 yrs, 2 mos ) Term 9 months PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Worst payment status No Info Dispute reason : Delete account immediately for failure to report the accurate date of status ( DOA ) and the date of last activity ( DOLA ). This is a violation.

ACCOUNT DETAILS Account status Open Type Unsecured loan Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times 30/60/90 days late 0/0/0 Dispute reason : The accounts are not marked as transferred or sold, its a violation.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I received a notice from Equifax dated XX/XX/22 stating that " they will not conduct any further investigation '' because they claim that they have already done an investigation. 

I am requesting that they send the investigative consumer report explaining who they interviewed because I never saw any reporting explaining how they verified any information. To verify anything it needs to be sworn under perjury and they have not done that. 
I am also requesting a record of permissible purpose that they are supposed to have on file in their records that came from my written instructions or consent.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-04-17
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (CA)

on XX/XX/XXXX my purse was stolen which included direct express card. i contacted direct express and they told me i need to submit an id to receive my card. i did not have an id bc my purse was stolen. i since then aquired all identifying markers i.e birth certificate, divers license and social security card. i submitted all to them. and they refuse to issue me a new card. their excuse is the name on my birth certificate does not match my dl.
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

Credit Collection Services XXXX XXXX. XXXX XXXX XXXX, MA XXXX {$73.00} Reported falsely to XXXX XXXX and XXXX When I called them they said they have already submitted {$0.00} to the companies.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

ON XX/XX/16 MY CHASE BANK DEBIT Account was breached AND THE PARTY RESPONSIBLE FOR THIS CRIME, STOLE A TOTAL OF {$3000.00} OUT OF MY CHECKING ACCOUNT THROUGH 10 DIFFERENT WITHDRAW TRANSACTIONS OUT OF A CHASE BANK BRANCH LOCATED IN XXXX XXXX, in their XXXX XXXX XXXX XXXX XXXX. Branch number XXXX. Replacement cards were requested on my behalf, when I never asked for those cards, the debit card I had on me was deactivated, when again never asked for those actions to be taken. 

NO RESOLUTION HAS BEEN CONCLUDED AND MY CLAIM WAS DENIED WITH NO RESOLUTION. The Chase XXXX XXXX Branch manager informed me that I should wait to reopen the claims, for them to receive the footage. However, from my point of view, how come my claim was denied if the footage was never reviewed? Every time I go in to check on the status, she is not in the branch or in another branch. I have gone to see her about 6 or 7 times since she told me to wait for the footage and she is not working.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have several inaccurate and inconsistencies on my credit report. XXXX, Experian, and XXXX have been contacted via phone and mail about any and all errors on my reports but have not corrected or provided me with proof of a true investigation for my disputes. 
I have attached my XXXXXXXX XXXX report provided by XXXX and my credit report from XXXX, A dispute response from XXXX. Here is a list of things that are missing, inaccurate, and inconsistent on my credit reports. 

Experian Report : My name is XXXX XXXX XXXX, but is reported as XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX but there are 2 extra addresses on my report. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
My account Balance are inaccurate and inconsistent. XXXX and XXXX are the same, but Experian is different. 
My payment history is missing payments on all my accounts. 
My report has 2 XXXX XXXX accounts that don't belong to me. One for XXXX and XXXX. 

XXXX Report : My payment history is missing payments on all my accounts. 
My report has an inquiry from XXXX that I didn't authorize. 

XXXX Report : My payment history is missing payments on all my reporting accounts. 
My report has an inquiry from XXXX XXXX  XXXX thatvI didn't authorize. 
My report has XXXX XXXX cards that don't belong to me. XXXX for XXXX and XXXX.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I received my consumer report and all my personal information is wrong Correct Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (GA)

I purchased my home for the amount of XXXX on XX/XX/XXXX. My mortgage has been transferred to over 10 different companies and my last balance statement after 18 years is a balance of XXXX. This means after paying my mortgage for 18 years I have only paid XXXX in principal!! I have only had one modification while on SSI in XX/XX/XXXX. I have tried speaking with the representatives at Selene Finance today and they can not give me any information as to why this is so low. I have also requested financial statements regarding the " corporate advance balance of XXXX on XX/XX/XXXX and as of XX/XX/XXXX, they are unable to explain where these fees have originated from. I feel like living in a home for almost 20 years and having paid the mortgage every month and having only paid less than a 1000.00 in principal is criminal. The following companies have had my loan that I can remember : XXXX XXXX and XXXX XXXX XXXX XXXX Selene Finance
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Tried opening an account with XXXX XXXX  XXXX to build relationship but unable to open since my account was closed during pandemic after opening one with no reason provided. I opened account with Chase and put in money in there around XXXX to build relationship with them as well so I can open high yield savings in the future. Everything is set and open - debit card arrived and maintaining my balance. Now, I received a notification that it is suspended due to fraud - called them and fix it but went on closing my account. Asked them if I can do something to remain open but they said no- no information provided why my account is closed. Fustrating.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

This is XXXX XXXX submitting yet another CFPB complaint to follow up on my request to the Credit Bureau to properly investigate and remove the disputed items from my Credit Report. The Credit Reporting Agency continued to report these items but I did not receive any proof of verification or any document for them to claim that the items are investigated and mine. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I am a victim of identity theft. The credit bureau must delete these items in line with FCRA Section 605b. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND DELETE THESE UNKNOWN ITEMS LISTED : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
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. (MD)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my disputed of accounts in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Reinvestigate these reported accounts and repaired it in my personal file : XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$11000.00}
Consumer complaint received 2023-02-11
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. (SC)

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 the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing 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 : {$1200.00} XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2023-02-11
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. (SC)

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 the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing 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 : {$1200.00} XXXX  XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

I've tried to satisfy this debt for a few weeks, but they won't talk to me. I need to settle this debt ASAP so that I can get approved for a new place to live. I've called twice, and the collection team was " busy. '' I left a note for them to call back. When they didn't call back I called again, but they didn't answer anymore. There is nothing else I can do to pay this debt.