davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
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: Cope Enterprises, LLC (TX)

XX/XX/2022, This lender : XXXX XXXX XXXX # XXXX ( XXXX ) XXXX | XXXX Independent Home Loans , LLC XXXX # XXXX Inquiry : XXXX XXXX XXXX XXXX With out My authorization, He run my credit report, getting me a Hard Inquiry, 5 points less on My score. I never signed or apply for any document where it says they can Run My credit. This person was told that I put an offer on a House across street where they need to decide in 24 hours what I asked for. If the Vendor agree we can formalized the documentation and proceed with the next step that is signed and provide all documents to apply for the loan. He ran on everything with out my authorization. 

I need please to removed this Hard Inquired and get my Score back where it was. Thanks.
Consumer complaint received 2019-01-29
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: Marlette Funding, LLC (GA)

I received several alerts from my credit monitoring service of new inquiries on my credit report. These inquiries were all from XXXX XXXX XXXX. I did not initiate these inquiries.
Consumer complaint received 2019-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (LA)

On XX/XX/2019 I attempted to send money to my husband the amount of XXXX using Zelle. The transaction was delayed for some unknown reason, when I noticed an hour later that the money had never been received by my husband I contacted Zelle, the representative told me because there was a glitch in there system it canceled the transfer and the money would go back into my account the next day. Well the next day came no money. I called them again and they said it depends on my bank who by the way is XXXX XXXX XXXX XXXX. So I called them and they said sometimes it can take up to 3-5 days so again I waited no money. I decided to do a claim with my bank at this point because Zelle is saying that my bank is holding the funds and my bank is saying Zelle never released the money back to them. I filed the claim on XX/XX/XXXX and was told by my bank to wait 7-10 days as I did on the 10 day I called my bank and to my surprise they hadnt even started my claim stating that I never attempted to reach out to Zelle, no one from my bank ever called me to ask any questions to know if I had contacted Zelle which I did a numerous of times. When i finally spoke to someone in the dispute department she said she would start my claim process on XX/XX/XXXX, but because of their policy its credit on credit received which means I wont get my XXXX back until Zelle sends them the money. Its been an entire month that I have been without my XXXX and my bank or Zelle cant seem to tell me where my money went. If you all can please help me in recovering my funds I would greatly appreciate it.
Consumer complaint received 2019-05-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (GA)

This is in response to my previous CFPB compliant # XXXX You guys are playing games and stalling a bill statement is not a debt validation. I requested in my previous compliant for Receivable performance management stop all debt collection attempts and you only provided a bill statement and that is not acceptable at all
Consumer complaint received 2019-05-25
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. (CA)

I submitted a dispute for a company named XXXX XXXX XXXX, this company says I have a balance. This company was under my bankruptcy and it has since been discharged.
Consumer complaint received 2022-09-01
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. (ID)

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

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I have now been fighting with Venmo for several weeks to get at least a provisional credit for {$5500.00} in fraudulent transactions that occurred in my account. This money was withdrawn from my checking account. When I logged into to make a payment to a friend I noticed 4 unauthorized transactions and immediately reported them to Venmo. I am out over {$5500.00}. I did not receive any text for notification of these transfers and they mustve occurred through thrud stirrers access in Venmo service. I confirm through the representative that the fraudulent transactions came from an IP address that money was never requested or sent to my account ever in the past. After reporting this transactions to Venmo within a day or two they denied the claim. I spent hours on the phone with their call center and also asked to speak to the manager with no help whatsoever. They then requested I send email to XXXX to appeal the denied cliam which I did and I never received a response or even an acknowledgment of the appeal request. No provisional credit while they complete their investigation. How am I supposed to pay my bills?? I really need The CFPBs help.
Consumer complaint received 2022-09-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (NC)

For the last year, I have repeatedly received repeated phone calls from American Express ( AMEX ) in attempt to find one of their customers in what I assume is related to debt collection. The company is calling from XXXX. I do not have any business relationship with this company and I have asked them to remove me from their calling list.
Consumer complaint received 2019-01-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent investigation requests to the credit bureaus on XX/XX/XXXX. They were supposed to respond with the results by XX/XX/XXXX, but they have not.
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2018 American Express closed my accounts ending in XXXX. 


They gave me no warning and i had never missed any payments. I tried to make 1 purchase and they closed everything. I would like to have my cards reopened and done so amicably.
Consumer complaint received 2019-01-29
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. (OH)

This is third time I have requested that XXXX XXXX XXXX, XXXX XXXX, substantiate their claims regarding information XXXX XXXX # XXXX transmitted to credit CRAs for me, XXXX XXXX , regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that these companies complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from them to the credit bureaus should be deemed discrepant and may indicate desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
Consumer complaint received 2018-04-16
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (FL)

This company left a voicemail on my phone, my Mom 's phone, my Grandmother 's phone, and my Sister 's phone ... It's the same voicemail.

I got a call from this XXXX number today, XXXX The message is automated and does not state who they are or that they are " attempting to collect a debt. '' They call repeatedly from other phone numbers, XXXX XXXX and when you call back it goes to the voicemail of XXXX XXXX. WHO IS XXXX XXXX?

This is a confidential message for ** if you are not ** you must hang up now. Hello, this is XXXX  ( I can't make out the last name ) and your account has been audited internally and you do need to call our office before scheduled advancement of your account. This will be the final call the phone number is XXXX we do have authorization to offer the following below blanket settlement on your balance of XXXX  a 40 % settlement of XXXX  a 60 % settlement in 3 payments a 80 % settlement in 12 payments of XXXX. Settlements must be setup within the next two days please call XXXX  again it is important to put a hold on your file today thank you to pay online go to XXXX and click on the login you will need your account number and zip code your account number is XXXX and your zip code is XXXX.

Have never received anything in writing and they are leaving these voicemails with my personal information on other 's phones. The first call I received was XX/XX/XXXX from XXXX and I have not received any written information about this supposed " debt. '' Direct Recovery Services is the supposed name of this company. When you log into that website, it asks you for the account number and zip code and then provides my name and last four of my ssn, so anyone could login and get my personal information.
Consumer complaint received 2022-09-01
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. (ID)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-01-29
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (WA)

Below is the main body of the letter I sent to XXXX XXXX XXXX to correct their error. 

Time Line : XX/XX/XXXX o Lease begins and throughout the lease term we made payments through automatic withdrawal from our account. 
XX/XX/XXXX o Our mortgage company and I called XXXX XXXX XXXX and on a recorded line and I paid off the remaining balance of our lease. XXXX   employee confirmed on the recorded line that I had paid off our lease term. 
Bank statement to show the payment was made attached o Not only that but you reported to the credit bureaus that we had paid it off as there was a {$0.00} balance due. 
XX/XX/XXXX o We had an automatic payment come out of our account. 
Bank statement to show the payment was made attached o We called XXXX and spoke w/ another employee who informed us it was an error and credited our account back. 
o Credit to our account showed up on XXXX Bank statement to show the refund was made attached XX/XX/XXXX/XX/XX/XXXX o We received a notice that another payment was due. 
o We had called several times during this period and despite XXXX making a clerical error on their end we elected to simply pay the extra payment so that our credit would not be impacted. 

Please understand the time line above is an approximation. Your records should reflect the actual dates as well as your recordings of my phone calls. I had a good faith dispute about the charge you were saying I owed. Despite not agreeing with the charge I made the payment to avoid a negative impact to my credit. I was reassured several times by your employees that my credit was not going to be negatively impacted which I learned was not true. 
Credit is tied to everything we do. My car insurance is more expensive because of bad credit reports, loans are more expensive and more. To say I am disappointed in what you have done to my credit is an understatement. I have worked hard to have my credit be over 800 and have never had any kind of late payment on any account. 

I have also contacted XXXX directly and they have started a dispute electronically with you. I have also contacted the Consumer Financial Protection Bureau ( cfpb ) and filed a formal complaint with them. 
My hope is that you will do the right thing and correct my credit report and that litigation is not necessary. If you look at my file you will see that the above time line is pretty accurate. If you listen to the recordings that I know your company has you will also hear someone who had a legitimate dispute and that even though I disagreed with the final payment I made it as I was told by your company that it was the only way to avoid a negative impact to my credit, which apparently happened anyway. 
In the event you do not correct your error I am putting you on notice by this letter that I will file a lawsuit. As such I would expect all of the notes and recordings and anything else tied to my file be preserved in anticipation of that legal action. 
I appreciate your response to my complaint.
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

my rights were violated, XXXX still is reporting a bankruptcy and a late when the company updated saying that information is not true. the XXXX account is reporting closed but its open. Transunion and XXXX are reporting its closed as well. Transunion has a fraud alert in which i asked several times to remove, XXXX are reporting fraud inquires
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I am a born US citizen, I am a living human being, I have rights under 15 USC 1681! Experian is govern by 15 USC 1681, and they have violated my rights numerous of times. I demand these accounts be removed because : According to 15 USC 1681 : I have the right to privacy and I did NOT give Experian written permission to furnish these accounts or inquires : XXXX. XXXX XXXX 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 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 2022-09-01
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

XX/XX/22 made payment to XXXXXXXX XXXX for {$140.00} XX/XX/22 made payment to XXXX XXXX for {$140.00} XX/XX/22 made payment to XXXXXXXX XXXX for {$140.00} XX/XX/22 made payment to XXXXXXXX XXXX for {$280.00} XX/XX/22 made payment to XXXXXXXX XXXX for {$280.00} All payments were made on time but XXXX reported all payments late. I requested the bank to properly report my status but it refused to work with me. I notified the better business bureau about this issue and I was overlooked, and was refused for correcting the derogatory report.
Consumer complaint received 2022-09-01
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. (IN)

XX/XX/22 XXXX XXXX XXXX reported as a inquire on my account. 
Equifax XXXX XXXX I have done no business with XXXX XXXX, I called there office and they were unable to find my information in there Data base.
Consumer complaint received 2022-09-01
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. (AL)

This is not a duplicate complaint and I did not hire credit repair company to file this report and its not filed by a 3rd party. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account Name : DPT EDXXXX Account # XXXX Account Name : DPT EDXXXX Account # XXXX Account Name : DPT EDXXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX
Consumer complaint received 2023-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NE)

Date : XXXX Zelle scam sent {$390.00} to a XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX said it was authorized ( unfortunately it was not yet the transaction still happened. My phone was hacked and the transaction went through. ) the bank refuses to fix the problem because they see it as an authorized transaction.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC (CA)

Total Visa closed my account on XX/XX/XXXX for high risk fraud. I was charged an annual fee of {$48.00} on XX/XX/XXXX for the period of XX/XX/XXXX thru XX/XX/XXXX. They are refusing to refund the annual fee. Account number XXXX
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These inquires were not authorized by me and need to be deleted. 

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

From XXXX XXXX XX/XX/XXXX, I was out of the country and in XXXX XXXX Sometime during my trip or during my departure, I started receiving debit alert notifications on my discover card. I had my card in my possession but it seemed like someone was using my card information anyway in the XXXX. I called the bank to dispute all transactions between XX/XX/XXXX and XXXX when I returned. They started an investigation while temporarily crediting my account. I noticed on XX/XX/24 that the outstanding balance was still on my account and called discover on XX/XX/24. I was told that my claim was denied because I still had the card in my possession when the transactions were made and some of the transactions were from vendors Id used previously. I explained that some of these vendors, such as the XXXX XXXX XXXX XXXX are vendors most New Yorkers use, and that I couldnt explain either how a person was able to use my card information. However my being out of the country should raise enough awareness that I couldnt possibly have made transactions with my physical card in the XXXX. I was told that they would open another investigation with the same XXXX while the charge is left on my card and accrues interests that Id be responsible for if they determine again that I am responsible for the fraudulent charges.
Consumer complaint received 2022-09-01
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. (FL)

The credit inquiries from XXXX XXXX on XX/XX/2021 and XX/XX/2021 were supposed to be soft inquiries. I did not apply for a mortgage, Nor do I have a mortgage on my credit report. 

The credit inquiry from XXXX XXXX XXXX XXXX to be a soft inquiry. I do not have a credit account with XXXX nor XXXX on my credit report.
Consumer complaint received 2022-08-29
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. (TX)

The following Credit Reporting Agencies XXXX Experian, XXXX XXXX XXXX ) continue to violate my consumer rights. These agencies have violated 15 USC 1681 ( a ) ( 1 ), by furnishing personal financial information without a court order, or written consent from me, the ( federally protected consumer ). These agencies are selling and reporting my personal information for financial gain. This unlawful reporting has damaged my character, caused undo stress and unnecessary financial losses. I am writing a letter to Experian, XXXX XXXX XXXX with my demands after I file this complaint. 

Thank You XXXX XXXX