davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp. (PA)

I keep receiving multiple text messages and multiple calls from true cord debt collector. I called and asked to please cease and desist any and all correspondence, and please to only contact me via mail. Even after this, I still have received text messages and calls. I even emailed the email that it says to contact and they still will not leave me alone.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-02-16
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. (NC)

This is my first 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$12.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$230.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Global Lending Services LLC (CA)

Despite several requests to update the information, this account still reports on XXXX and XXXX. 

Action Details Creditor : XXXX XXXX Account # : XXXX Status : Action Sent Action Date : XX/XX/XXXX  Action Type : Update My Account Reason for Action : Items have been settled This account shows as closed/charged off and still shows currently on my credit report with XXXX, XXXX, and XXXX. 

Action Details Creditor : GLOBAL LENDING SERVICES Account # : XXXX Status : Action Sent Action Date : XX/XX/XXXX XXXX XXXX  Action Type : Correct a credit reporting inaccuracy Reason for Action : Remove the reporting of the lien associated with this account ; it has been fully satisfied.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: TradeStation Group, Inc. (FL)

I attempted to close my TradeStation XXXX  ( XXXX ) and XXXX  ( XXXX ) accounts However due to a {$10.00} fee was told I can not close my account. 


This is fairly disappointing as still a fairly new customer to TradeStation, as I no longer have any use for this account, and was still getting familiar with the fees. 


I have attempted to ask as a one time courtesy to waive this fee and close my account, and was denied even when asking politely to involve upper management to take a second look. 

I am requesting a waive of this {$10.00} fee and a closure of my TradeStation accounts.
Consumer complaint received 2023-12-28
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. (NC)

Upon reviewing my credit report, I noticed an unauthorized account from XXXX XXXX and charges on said account. I notified them this account was created without my consent. I also filed a fraud report, showing this theft had been reported. They continued to publish inaccurate information on my credit profile, with all three credit reporting agencies after giving them documentation. They closed the account and left it on my credit report. It was never my account and needs to be removed as it is affecting my overall ability to obtain credit.
Consumer complaint received 2023-05-18
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: Lockhart, Morris & Montgomery Inc. (VA)

On XXXX Lockhart , Morris & Montgomery illegally obtained and placed my account in a collection status. I required this company to validate a debt and they failed to comply within a legal time period. Furthermore they are attempting to validate disputes filed as accurate without legal right. Company has obtained a similar Social Security number, that is not mine as well. The social security number on the companies redacted file is not mine! The company has not answered any of the requested validation request as outlined.
Consumer complaint received 2021-01-26
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: Upgrade, Inc. (TX)

My right to privacy is being infringed upon according to 15 USC 1681 ( 4 ) with this reporting. Also no permissible purpose nor written permission was ever given to furnish any report on my behalf, if so I demand to see the contract.
Consumer complaint received 2021-07-04
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. (PA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX
Consumer complaint received 2022-11-10
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. (NC)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$970.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a declination on a loan application through a credit union. The credit reporting agency cited numerous factors that I believe some of which were incorrect. I contacted the Trans Union website and the only way to receive a report was to rejoin a monthly membership. I did so and put in a new and current card number. The website rejected the card three times, although my bank account was charged. I never received the report. I called three separate times to Trans Union. Not one of their customer representatives were able to correct the problem. Two were disconnected and never called back. However, my request has been escalated. Although my bank accepted the first transaction, Trans Union is claiming that they cancelled all attempts because I cancelled my previous Trans Union membership in XX/XX/year>. So I signed up for a new account. It recognized my account and reverted it back to my old account but still did nothing in opening up my credit report. I was charged again at my bank. My complaint is both technology and human support was incompetent on every level : The Trans Union website, customer service reps ( in a foreign country ), and I still have not received a credit report. My funds are being held by the bank for the first transaction but Trans Union is not processing it. Please fix this. It is unacceptable.
Consumer complaint received 2024-06-17
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (CA)

I have been battling PHH for the past 3-4 months. They keep on saying that I don't have a trust agreement that is in compliance with a reverse mortgage and that XXXX XXXX XXXX XXXX is not a primary beneficiary of my trust. 

XXXX XXXX XXXX XXXX has been incapacitated since XXXX  and the attached durable power of attorney and determination of incapacity are attached. XXXX is also a trustee of the XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX. Everything was prepared by an attorney to be in compliance with a XXXX  ( Reverse Mortgage ), but PHH has been uncoopertive and does not allow me to speak to a manager or their legal department diretly. 

My real estate broker has been assisting me with this matter and feels that I am being subjugated to elderly abuse and discrimination by PHH.
Consumer complaint received 2023-12-28
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. (MD)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (GA)

I tried to make a purchase on XXXX, the payment was declined on XXXX end and the item was not purchased it is not a pending sale. If I want the item, I have to make a payment. 

Paypal is holding my money for 7 days when the payment is not attached to any item or order. Thereis no pending sale. When I asked PayPal customer service to release my payment, I'm giving answers that do not relate to my situation. Like staying at hotels or pending payments, none of this applies. 

This happens to me XXXX times a week, sometimes twice in XXXX day.
Consumer complaint received 2024-06-14
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: Self Financial Inc. (TX)

The existence of a derogatory rating on my account is a major source of concern for me. I am deeply troubled by its potential adverse impact on my credit. It has already led to the denial of a recent loan application and increased interest rates on my existing credit accounts. I want to emphasize the severe financial strain and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-01-26
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Michel Law, LLC d/b/a Level One Law (FL)

Approximately one month ago I was mailed a pre-approved offer to consolidate my debt for a lower interest rate and pay one monthly fee. After applying for the service over the phone I was informed I did not qualify for the debt consolidation loan but did qualify for a debt settlement service offer through a company called Level One Law. The representative told me they could negotiate with my credit card companies and help settle/pay off all of my debt in a short period of time. I would deposit {$530.00} twice a month into a third-party savings account managed by XXXX Holdings XXXX The money would be safe and accrue and only be used to settle my debt. I was informed money would not be taken from the account without my approval and agreement of each settlement offer. I was told there would be a service fee but would be prorated equally throughout the duration of the program. A total of Three ( 3 ) payments were drafted from my checking account into the dedicated savings account for a balance of {$1600.00}. Shortly after I set up my online account with XXXX XXXX I discovered Level One Law deducted the following upfront fees each time I made a {$530.00} deposit : {$340.00} Service fee + {$49.00} Admin Fee + {$75.00} Retainer fee. The total upfront fees deducted from my account by Level One Law were {$1400.00}. XXXX XXXX, in charge of the independent savings account, charged a {$10.00} month service fee. I was left with {$180.00}. As soon as I discovered what was happening, I called the debt consolidation company to explain what and why they were charging such excess upfront fees. The representative informed me that the process would continue for the next twenty payments while they waited approximately 7-9 months to begin negotiating with my creditors. They instructed me to stop paying my creditors and let my accounts go into default which would help them negotiate a settlement offer. I was never willing to stop paying my creditors and anticipated they would simply help negotiate a settlement offer while I continued to make the minimum payments and add money into my third party savings account. I was told upfront I could cancel without any penalty and did so after one month into the program. However, the representative told me that all service fees are non-refundable and the only money that would be returned to me was my remaining balance of {$180.00}. This is a complete scam, there was no meeting of the minds regarding payment of upfront fees, which is illegal for debt settlement companies to do, and there was no consideration given in exchange for service. Currently, I am waiting for their escalation department to hear my appeal and refund my money but was told there is no guarantee they will release the {$1400.00} they took from me in excess fees.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX sent me a email with threats of taking my Social Security, payroll checks, plus terrible language of threats that they will prosecutes in court. This loan at XXXX was. Opened in 2017, by fraud XXXX closed the account after being notified by legal services at XXXX XXXX XXXX XXXX, due to financial fraud, and protected by Consumer Rights. Immediately following XXXX started sending me terrible threats, and posting on my Credit report, assigned later to XXXX  FOR COLLECTION, changing the information when the acct was originally opened.
Consumer complaint received 2024-06-17
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. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX - XXXX Please start a re-investigation and prove that this account actually belongs to me. 

XXXX XXXX XXXXXXXX I was never late on this account- Please check the status on this account XXXX XXXX XXXX XXXXXXXX I was never late on this account- Please check the status on this account XXXX XXXX XXXX XXXX XXXXXXXX I was never late on this account- Please check the status on this account XXXX - XXXX XXXX OF 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 The following personal information is incorrect XXXX XXXX The following personal information is incorrect
Consumer complaint received 2022-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Donut, Inc. (CA)

First, On XX/XX/2022, Donut app withdrew {$8500.00} of my principal in my account with them. They made multiple promises that the principal was secure. For example, they promised that " XXXX XXXX  is highly collateralized, typically over 125 %. This means your principal is always covered. '' They said, " Donut is a high-yield, fixed income product powered by XXXX XXXX. '' They said, " Lending on Donut is highly collateralized, typically 125 % -200 %, meaning your principal is covered. '' They said in their app that " Your principal is always covered by overcollateralization, typically above 125 % of your principal. '' Donut 's withdrawal of my {$8500.00} violated the promises they made that my " principal is always covered ''. 

Second, they tweeted and notified me though the app on XX/XX/2022 that, " To our users, Donut has zero exposure to XXXX, XXXX or XXXX. Everything at Donut is running smoothly and were baking steady XXXX  as usual. Donut went on to say on the same day, XXXX are one of our approved lenders ( we have others ). Loans with XXXX are overcollateralized ( e.g. 125 % ) If margin calls are not met by borrowers, they seize collateral and/or hedge out collateral risks. They hedged out XXXX risk early this week and have no exposure. 

Based on their statement, I did not withdraw any of my {$5400.00} in funds that were still in Donut. 

These were lies, and on XX/XX/2022, prevented all users from withdrawing any funds, including mine. They still claim to have over 100 % liquidity on their app, which is not true.