davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX ( " XXXX '' ) improperly reports an amount assessed after the termination of the lease, as an unpaid loan, which impacts the credit in a more harmful way than if the item would be properly reported. 

At the termination of the lease, the lessee has to return the vehicle and receives a lease termination statement, from the dealer where the vehicle is returned. The dealer reads the odometer, looks at the overall condition of the car, inputs the data into the system and generates a statement showing the amount to be paid in case of returning the car and a buyout proposal. 

In my case the value of the amount owed if returning the car was XXXX ( XXXX ) and the buyout was the residual value of the car. The dealer mentioned that any extra mileage fees will be waived. I opted for the return of the car and received a statement in writing showing a XXXX dollars owed to XXXX. 

Unbeknownst to me, the amounts were not accurate. XXXX assessed a {$5000.00} amount based on additional mileage and opted for reporting the amount to the Credit Bureaus as unpaid loan. This foreclosed any possibility for me to obtain another car lease for 7 years. 

The proper way for XXXX was to post the loan as paid in full, as showed in the document obtained at the end of the lease, and the {$5000.00}, as a collection item. The collection item would influence my overall credit, but it would allow me to obtain another car lease. 

I believe that adding the {$5000.00} at a later point is fraudulent, as the amount would have greatly influenced my decision to purchase the car rather than return it. 

By improperly reporting the item XXXX are trying to extort an amount that I believe it is not due to them. Rather than trying to adjudicate the matter in court, they are choosing to miss-report in an effort to unduly obtain the funds. 

I have contacted XXXX, but the representative was unable to understand what is issue is.
Consumer complaint received 2020-02-16
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. (TX)

Someone stole my ID and Social and later opened the following fraudulent accounts in my name : XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX I have already spoke to these companies and they have agreed to remove these fraudulent accounts. I have provided them with my Police Report ( Incident # XXXX ), I also provided them with my Identity Theft Report # XXXX.
Consumer complaint received 2019-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST HORIZON BANK (TN)

I opened an account with First TN Bank on XX/XX/2018 but after two months we attempted to contact the bank about why we hadn't received our statements. It turned out someone else 's address was listed as ours- someplace we had never even lived and our statements had been sent to them. We requested our statements and an investigation- we received neither. At that time it was XX/XX/XXXX and we were still living at XXXX XXXX XXXX XXXX in XXXX TN XXXX. We moved on XX/XX/XXXX to our current address and updated our address with the bank via a branch location in XXXX TN and with the post office. Almost immediately we began receiving advertisements, addressed to us, at our new address from the bank but still no statements. After several calls with the bank in early XXXX, including having to deal with XXXX using only incomplete online info as they STILL had not sent a statement I requested our statements. We receive large payments every couple of months and were concerned when there were regular unauthorized payments and account discrepancies. We received a XXXX statement and were assured the rest were on their way. I did not receive another statement until XXXX and now they come mostly regularly as we still have not received one for XXXX. We pay for our statements but due to our regular direct deposits the fee is waived but the bank seems to have decided to withhold our statements as they have demanded we now pay for paper statements, we are supposed to be receiving monthly as part of our XXXX account fee that is waived - along with our statement fee as we meet the direct deposit requirements. We are concerned a bank employee is making unauthorized access to our accounts and know the online info is not accurate as transactions are the wrong amounts- we verified with vendors wat they DID receive and some things are just missing. The bank is making every attempt to impede us even getting our monthly statements and I had already paid extra to get them once and never received them so I do not wish to again.
Consumer complaint received 2022-08-17
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. (MO)

I am submitting this complaint through the CFPB in response to the current evaluation conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. The FCRA 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$3300.00}
Consumer complaint received 2020-02-16
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: EQUIFAX, INC. (TX)

Someone stole my ID and Social and later opened the following fraudulent accounts in my name : XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX I have already spoke to these companies and they have agreed to remove these fraudulent accounts. I have provided them with my Police Report ( Incident # XXXX ), I also provided them with my Identity Theft Report # XXXX.
Consumer complaint received 2020-02-16
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)

XXXX XXXX was paid off in XXXX. I had no more payments for this account to be delinquent 30 days. I took out another loan which you only can do once a loan is paid off. I made numerous attempts to call this company through there maze of confusion with there phone system. I finally made contact received a email confirming this account was settled.
Consumer complaint received 2023-07-23
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. (AR)

My vehicle was broken into twice and my personal information was stolen. I immediately filed a police report. I also contacted the IRS and filed the identity theft claim and the federal trade commission. I sent certified copies of police reports, IRS reports and the identity theft report from the federal trade commission and XXXX, XXXX and TransUnion refuse to move fraudulent accounts from my report.
Consumer complaint received 2019-06-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

My concern is with Pennymac USA and the payment website. On XX/XX/XXXX, I logged onto the webportal to simply confirm the amount due. On XXXX, an unauthorized withdrawal of the payment amount was processed from my checking account by Pennymac USA. My intent was to make my payment on XXXX when my direct deposit came through ( still within my allowed payment period of through the XXXX ). I DID NOT initiate, process, request or confirm authorization of payment to be drawn feom my checking account. After explaining the concern to their contact center I was only refered to their online message center to submitt the occurrnce through there. So, I sent explination along with records reflecting the error and the insufficient funds assessed on my account for review. My bank covered my payment and knowing there would be available next day I requested Pennymac to reconcile via reimbursement of NSF fees equal to {$67.00}. After 3 days i recieved a very simple response " A One Time Draft was completed on XX/XX/2019, via the website in the amount of {$1200.00}. As a result we are unable to reimburse NSF 's fees as it was not a PennyMac error. " Right Pennymac! A one time draft was completed! That is the error! It WAS NOT AUTHORIZED!
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

In approximately XX/XX/XXXX, I received information from XXXX that an old account from XXXX   XXXX with a open date of XX/XX/XXXX was scheduled for deletion from my credit file in XX/XX/XXXX. So far, this item remains on both of my XXXX and Experian credit reports. 
I attempted to file a dispute through XXXX XXXX with XXXX regarding this item. I began at approximately XXXX XXXX on XX/XX/XXXX. I filled out my information, and received a message that the system would be unavailable in 5 minutes for " nightly maintenance ''. 
I also saw an " OK '' button that when clicked, did nothing.
Consumer complaint received 2021-02-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (GA)

American Express has taken a {$400.00} check from me, cashed it, and has refused to credit my account. I have spent countless hours, calling and emailing information to get this resolved. 
Current Representatives Involved in this dispute : - XXXX, American Express Global Collections, Supervisor : Part of the main department giving out false and conflicting information. 
I was on a recent call with all the individuals listed above and both XXXX and XXXX are taken back that this has not been resolved. The have held my money hostage for 6 months with crediting the account or refunding my money. 
I have reached out to American Express over 20 times since XX/XX/XXXX and here we are in XXXX of XXXX and American Express denies having the payment and continues to close my open cases. Even though the check sent directly from XXXX XXXX  bill pay ( I have provided proof of payment below ) CLEARLY shows the bank account number on the check. Also that the check was endorsed and cashed by American Express. The same bank account number where I have sent past payments, to which the account has been credited. Furthermore, American Express has been reporting this account incorrectly to the credit bureaus causing damage to my credit because of this misinformation. 
I have also filed a complaint with the XXXX XXXX XXXX. Still I everytime I call and speak with supervius they are asking the same exact questions over and over again ( For example. When was check sent out? ). If a case has been opened that information should have been in there. 
Based on the way this is being handled I am sure I am not the only one that has suffered at the mercy of this department.
Consumer complaint received 2016-11-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CO)

Fair Collections and Outsourcing INC. has committed several violations of FCRA. 
They are trying to collect the wrong amount. 
They have sent a misleading illegible fraudulent receipt in response to my validation request sent certified mail. 
Their billing statement does not include the required criteria by FCRA. 
They have continued to report during dispute several times. 
They continue to duplicate report. 
They have been verbally abusive. 
They have stated in letters that they have conducted investigation without my request and have not provided said investigation information. 
Continues to threaten via letters to report to credit bureau. 
Did not send valid bill 5 days after i contacted them XX/XX/2016 as required by FCRA. 
Has purchased a fraudulent account in my opinion not only for the wrong amount but original creditor XXXX XXXX never validated debt or answered to illegal eviction charges complaints, instead just sold account. 
FCO refuses to produce legible and itemized statements validating debt. 
Billing statement contain many misleading entries, non abiding by FCRA requirements Bullying by FCO agents via phone calls and when i have called them to resolve account I 'm positive there are other violations I'am unaware of as well in there collection practices FCO has people listed on account that have nothing to do with our debt FCO lists wrong and incorrect account info and refuses to correct
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (CA)

I noticed a recent new CHASE Total Checking and Credit cards account open under my information without my consent or acknowledgment. I did not open any new account under my information. Please verify the authenticity of the account holder. Account opened under my information without my consent or acknowledgement should be void.
Consumer complaint received 2019-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (HI)

I tried to do a shortsale, I had a buyer and realtor in place to do the short sale. It was with Shellpoint, Mortgage Servicing, it dragged on for years and its still dragging on. 

The last issue what stopped it all was that Shellpoint and XXXX ( XXXX XXXX XXXX XXXX ) can not decide who is in first position on the mortgage. 

Please assist if all possible or if you can not please let me know ASAP, thank you.
Consumer complaint received 2020-02-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AZ)

I have three accounts with Midland Credit Management and every one of them is being reported incorrectly on my credit report. I received a letter from them on XX/XX/2020 stating that I still owe them XXXX for a XXXX  XXXX account. They had sent my account to a lawyer and garnished my check for XXXX after I had already paid them XXXX. The XXXX  XXXX account is more than paid in full. Another card ( XXXX  ) they have on my credit as owing XXXX and I paid it down to XXXX. They couldn't find the payments is what they told me. This company calls me numerous times a day threatening legal action on accounts that are already paid for. They misrepresent themselves and are irresponsible when it comes to accounting for money. I have all of the paperwork and copies of checks. This company should not be able to do business like this.
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (GA)

I was scammed out of {$5900.00}. I was online paying bill when I got a text from chime bank that stated I had reached my daily limit. I looked up their number on the internet and call. 
A XXXX XXXX introduced himself as a customer service representative and stated he will help me to get an increase in my daily limits. 
He instructed me to download an app, I did then he asked me to open my account I did. It sound like chime representatives and I even heard people answering the phone in the background so I didnt think nothing of it. 
XXXX then told me my address and name and asked to to tell him the last XXXX digits of my social security number. I gave him the wrong numbers. He wasnt alarmed About that time I received another text from chime asking did I authorize a XXXX XXXX  transaction. I stated no, immediately hung up the phone and called the number on the back of my chime card. All this was within XXXX minutes. I noticed that XXXX had made XXXX pay anyone transaction. XXXX to XXXX XXXX XXXX {$3400.00} and another to XXXX XXXX for {$1400.00} Also XXXX XXXX XXXX  transactions to XXXX XXXX with a phone number attach XXXX CA from my checking account within XXXX minutes and from my credit builder account XXXX XXXX XXXX XXXXransactions to XXXX XXXX within XXXX minutes. Even though I immediately notified the bank they didnt stop the transaction and refused to refund my money scammed.When John put in the wrong social security number that should have immediately alerted Chime bank of fraudulent transactions. All the photos are from the scammer whether he works for chime or not is a good question
Consumer complaint received 2023-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

Dear Sir/Madam, I am writing to submit a complaint and appeal the decision to permanently limit my PayPal account XXXX I believe that this limitation was placed on my account by mistake, and I would like to request that PayPal re-investigate my case and restore my account if possible. 

I would like to emphasize that I have not violated any PayPal policy or engaged in any fraudulent or illegal activity. I have always used my PayPal account in good faith and in compliance with all applicable laws and regulations. Therefore, I strongly believe that the permanent limitation of my account is unjustified and has caused me significant financial and personal hardship. 

I understand that PayPal has the responsibility to ensure the security and integrity of its platform, and I fully support these efforts. However, in my case, I believe that there has been a misunderstanding or error, and I respectfully request that PayPal review my account activity and reconsider its decision. 

I would appreciate it if you could provide me with any information or documentation that may have led to the decision to permanently limit my account. I would be happy to clarify any issues or answer any questions you may have. Additionally, I would be grateful if you could provide me with a timeframe for when I can expect a response to my request. 

The email address associated with my PayPal account is XXXX. I would appreciate it if you could communicate with me via this email address. 

Thank you for your attention to this matter. I hope to hear from you soon. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my XXXX, XXXX, and TRANSUNION credit report ( s ). These inquiries are fraudulent and unverifiable. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are fraudulent, unverifiable, and in violation of consumer rights.
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (FL)

XX/XX/2022 - {$2000.00} and {$1100.00}, sent certified mail to XXXX, XXXX, and Equifax to dispute wrongful credit reporting and to provide proof or have that deleted off my credit report.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XX/XX/2022 wanted to redeem points ( over 9000 ) for 1 % in cash and switch to different type of card ( same exact account number just better rewards ) this should have been a check issues for over 90 $ reciecved check for {$57.00} called and they said they would send a letter about it and the letter stated that they are unable to reverse redemtions and are final i dont want it to be reversed i want the 1 % that was promised by card and the person doing the transaction on XX/XX/XXXX before switching the card
Consumer complaint received 2022-08-17
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. (AZ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law ... Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge... XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (FL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose