davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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. (CA)

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX # XXXX. However, they 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 suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2019-06-15
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (MI)

I stopped payment on a check to a contractor for breach of contract. The contractor had cashed the check through XXXX. When the contractor couldnt cover the check, he gave XXXX my phone number and they have been calling me up to 5 times a day, harassing me about the check. I told them to stop calling me on XX/XX/2019. They have called 5 times since then.
Consumer complaint received 2023-05-10
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent a police report notifying them that some accounts on my credit file were fraudulent, and most of the inquires were fraudulent. I have sent proof that my Social Security Number and Telephone number has been compromised and was being sold on the " Dark Web ''. Per Federal Law, that in itself should have blocked any accounts on my credit file. Not only did they not adhere to that request. I've also sent these agencies 3 sworn affidavits asking them to send documentation to prove some accounts on my credit file can be verified. Each step of the way they have refused to send me the documentation I have requested per Section 609 of FCRA. All 3 credit reporting agencies are now in violation of Federal Law. By all 3 Credit Reporting Agencies, I am referring to XXXX, XXXX, and TransUnion. They are also in violation of the FACT ACT, and in Violation of Section 605 ( b ) of the FCRA. Please help me. I can not understand why these agencies want to make it difficult to correct wrong that has been done to me and my family. By violating these Federal Laws I can not obtain housing for my family. My next step is litigation which I am trying to avoid but I will if I have to. Please help me and my family. Thank you for your time.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (IN)

i got a letter from National credit system from XXXX GA, saying i owe XXXX ive know nothing about this i was never told why i owe this. i file a dispute with XXXX XXXX. they took care of it saying it was a fraud or in inaccurate so it was erased off my credit report. but now its on XXXX and they want take it off .im not sure if it on XXXX. i dont know why they put it on my credit report. we never been to court. i file bankruptcy in XXXX and all of the sudden this account pops up in XXXX my rent was paid i didnt break my lease and ive gave them 30 days notice that i would not be renewing my lease. because the apartment was flooded every time it rain
Consumer complaint received 2023-09-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DigniFi (TX)

A man named XXXX XXXX sent me a copy of a " contract '' that I had never seen. It had amounts for interest and principal that are completely foreign to me. 

I have used this firm before and the agreement that I made previously was carried out exactly as agreed. 

This time, they overcharged me in a most predatory fashion. In addition, the contract that XXXX XXXX emailed to me had an interest rate of 29+ percent. I would NEVER agree to a contract interest rate higher than 12 %!!
Consumer complaint received 2024-02-10
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. (FL)

I appreciate the effort made to remove some of the fraudulent items from my file attributed to an alleged identity theft. However, there are still remaining items that require attention. This marks my second complaint regarding identity theft victimization, and I have submitted it to dispute the inquiries in my file resulting from the crime. I have attached my new FTC report # XXXX for your reference. The inquiries I am disputing are unrelated to any transactions for goods, services, or monetary exchanges authorized by myself. Please expunge the reporting of these inquiries from my credit file, which resulted from the alleged identity theft : XXXX****EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. These inquiries are unfamiliar to me. Moreover, the information provided on these inquiries has been deleted from other bureaus, raising doubts about their accuracy. The reported history dates of these inquiries are also unknown to me. As mandated by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I request their removal.
Consumer complaint received 2023-06-11
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)

XXXX XXXX XXXX has been reporting on my account since XXXX of XXXX with a {$1000.00} credit limit. Never used but they show it never late paid on time. They are now reporting the account closed since I disputed it with the three agencies. The problem is I never had this account. I am sure its some kinda credit card but I have never had mail from XXXX XXXX XXXX. Either this is credit fraud or improper reporting to my credit report. If they so easily closed the account after my dispute with the three agencys then its not a problem them removing them self all together, or provide me proof I opened an account with them, and how I opened this account!
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 — Old information reappears or never goes away
Company: Ditech Financial LLC (MI)

This company is fraudulently keeping an old debt on my credit report and I have tried disputing it with the credit bureau as well as, with the companies with no success. It is showing that I owe a company over {$26000.00} since 1999 which is NOT correct. 

On XX/XX/1999 my spouse and I became victims of a predatory loan by a company called XXXX XXXX, who changed their name to XXXX and then to Dietech Corp. They were sued by the Federal Government FEDERAL TRADE COMMISSION and XXXX CONSUMER FINANCIAL PROTECTION ) BUREAU, ) XXXX ( XXXX-XXXX ) Plaintiffs, v. 
XXXX XXXX XXXX XXXX, a Delaware ) limited liability company, ) ) Defendant.
Consumer complaint received 2019-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

This is my third complaint to the CFBP, The previous complaints, were XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. 

Both complaints relate to the same issue : On XX/XX/XXXX, I sent a {$90000.00} wire transfer to a friend in Florida. Bank of America seized my {$90000.00} and refuses to return my money. 

As a result of my second complaint, Bank of America assigned me to a Resolution Specialist, XXXX  XXXX XXXX. Ms. XXXX wrote to me " I am your dedicated point of contact until this matter is resolved. '' Ms. XXXX is my 3rd Resolution Specialist. 

In her last written communication with me on XX/XX/XXXX, Ms. XXXX stated, '' As requested on XX/XX/XXXX, please contact law enforcement and obtain a seizure warrant to work towards obtaining your funds. Once you have obtained a seizure warrant, please contact our Check Fraud Claims department at XXXX ''. 

First of all, there was no communication between Bank of America and myself on XX/XX/XXXX. Secondly, no one knows what a seizure warrant is, making it impossible for me to obtain one. I have contacted 3 Police Departments, talking to one Police Chief, 2 Attorneys, and Ms. XXXX XXXX own people at that XXXX number. I even looked up seizure warrant on the internet and looked through do-it-yourself legal documents with no success. I have called Ms. XXXX over 10 times in the last 3 weeks, with no response, leading me to believe that she doesn't know what a seizure warrant is either. 

As it stands, I'm still out my {$90000.00} and Bank of America has assigned me to an investigator who is either unable to answer my questions or unwilling to. 

I'd like my money back NOW. Bank of America seized my {XXXX} with out cause. It's time to end this nonsense. I'm almost XXXX years old and live on a limited income. I want my money back now.
Consumer complaint received 2019-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (TX)

Dear Sirs, XX/XX/2019, I started a company for myself to do flooring contracting. I needed to have a payment processing services. After doing some research, I reach out to PayPal and opened my account with them. 

My first few payment transaction was having problem as PayPal was requesting me to provide them documents to proof to them that I have a legitimate business. they requested my EIN, articles of corporation and a photo ID. I had all the papers sent to them the same day. 

One week later, another few transactions were held by PayPal limitation department. Now, this time, they requested me to provide them with invoices that were used to charge my clients, again, I provided them statements and information of my clients for confirmation.

Then, one week after that, they added another limitation for the third time on my account. this time they need me to provide them with the last 6 months of bank statements. I mentioned to them I opened my bank in XX/XX/2019 and can only provide 3 statements. the Rep. told me that is fine, I uploaded them, after that, they said we need the last 6 months of your previous merchant account statements. I told them that PayPal is my first payment processing service. I've never had another one as my business started in XXXX Finally, I spoke with the manager and explained everything all over, the manger XXXX was very disrespectful and rude to me. He told me that PayPal doesn't want to provide me services anymore and will hold my funds for 180 days from the time it charged my clients. He didn't want to listen to me, he wasn't willing to work with me to get this problem taking care of. He also refused to allow the funds to be transferred earlier than 180 days. I need help to have them releasing my funds immediately please, it has been almost over 30 days.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the unsuccessful attempts to remove a charge-off accounts entry from my credit report. Despite multiple efforts to address this matter, the charge-off persists, causing significant distress and affecting my creditworthiness. 

I have made numerous attempts to dispute and rectify this situation, providing documentation and explanations to support the removal of this charge-off from my credit report. However, it is disheartening to note that these efforts have been unsuccessful. 

I urgently request the following actions be taken : Thorough Review and Verification : Conduct a comprehensive review and verification of the charge-off entry in question, considering the documentation and explanations provided during previous disputes. 

Communication Enhancement : Improve communication channels to keep me regularly informed about the progress made on my dispute and the steps being taken to address the charge-off.

Escalation of Dispute Resolution : If the charge-off is found to be inaccurate or incomplete, I request an expedited resolution and the immediate removal of the entry from my credit report.

Compensation Consideration : Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations for the stress and disruption experienced.

I understand the importance of accurate reporting on credit files and the role it plays in maintaining the integrity of credit reports. However, the persistence of this charge-off is causing undue hardship, and I am seeking a prompt and fair resolution.

Please acknowledge receipt of this letter and inform me immediately of the steps being taken to expedite the resolution. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these charge off in my credit file : XXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-05-10
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. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid 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: HSBC NORTH AMERICA HOLDINGS INC. (OK)

On XX/XX/22, I contacted HSBC credit card to dispute a charge of {$140.00} to XXXX XXXX. 

On XX/XX/22, I called to follow up on the dispute and was advised to email their dispute department with the details of the dispute and reference case id : XXXX. I emailed the information. 

On XX/XX/22, I called to follow up on the dispute and was advised that they were still working on the dispute. 

On XX/XX/22, I called to follow up on the dispute and was advised that they were still working on the dispute. 

On XX/XX/22, I received a correspondence from the company asking me to hire a professional beautician to write a letter to attest to my dispute. 

On XX/XX/22, I provided the company with a letter from the professional. 

On XX/XX/22, I called to follow up on the information that was provided. I was blind transferred to the dispute department and was on hold for over 1 hour. I called back and was advised that they didn't have any knowledge of the letter that I sent in. I had to pay {$25.00} for my beautician to write the letter for me. 

This company is so unprofessional. I had a prior dispute that they didn't send any correspondence in the mail until after 60 days. 

I need my money refunded back to my card.
Consumer complaint received 2019-06-15
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 have contacted XXXX, Equfax and XXXX  about a home loan that is reporting 30 days late on my report. I have sent in proof that the home sold in XX/XX/2017 which is the month XXXX is reporting it to be late. I have been going through this for well over a yr now. I spoke with them on today and I was told that XXXX stated that the information is true even though I submitted proof when the home sold and I was told anyone can create a document on their computer and they are not going to remove it. I was told that they are certified to tell the truth and I am not therefore they must believe what the company say.
Consumer complaint received 2019-06-15
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 have contacted XXXX, XXXX and Transunion about a home loan that is reporting 30 days late on my report. I have sent in proof that the home sold in XX/XX/2017 which is the month XXXX is reporting it to be late. I have been going through this for well over a yr now. I spoke with them on today and I was told that XXXX stated that the information is true even though I submitted proof when the home sold and I was told anyone can create a document on their computer and they are not going to remove it. I was told that they are certified to tell the truth and I am not therefore they must believe what the company say.
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After numerous disputes. I can not get duplicate reported accounts off of my credit report and it is derogatory effecting my scores on all of the big three reporting agencies. Negatively impacting them double because they are duplicates.
Consumer complaint received 2024-02-08
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)

I was a victim of ID Theft about XXXX yrs ago. I went a tax service to have my taxes prepared, later I was informed that I may have been a victim of ID Theft. I ordered a copy of my report and noticed several items that I did not personally opened. I am requesting the following items be removed from my credit report. 

XXXX XXXX opened XX/XX/XXXX balance : {$38000.00} XXXX opened XX/XX/XXXX balance : {$35000.00} XXXX opened XX/XX/XXXX balance : {$18000.00} XXXX opened XX/XX/XXXX balance XXXX {$8700.00} XXXX opened XX/XX/XXXX balance : {$10000.00} XXXX opened : XX/XX/XXXX balance : {$2900.00} -XXXX  opened : XX/XX/XXXX balance : {$15000.00} -XXXX  opened : XX/XX/XXXX balance : {$14000.00} XXXX XXXX XXXX  opened : XX/XX/XXXX balance : {$18000.00} XXXX opened : XX/XX/XXXX balance : {$7200.00} -XXXX  opened XXXX XX/XX/XXXX balance : {$2800.00}
Consumer complaint received 2019-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

Dear CFPB, PayPal is knowingly allowing a loophole in their claim system be abused to steal from buyers. 

We are dealing with a scammer who clearly understands how to easily manipulate PayPal 's ridged and indirect dispute system, along with the carelessness of the PayPal phone support agent who originally opened our dispute with PayPal 's phone claim department. It is shocking how easy it was to abuse PayPal 's process and steal almost {$2000.00} from people trusting PayPal to process payments. 

The PayPal claims case is : Case ID : XXXX The total stolen from us is : {$1800.00} And the Seller : XXXX XXXX XXXX The merchandise XXXX XXXX XXXX shipped us were fake. The box was clearly preopened and resealed after being filled with completely different cards not of the same vintage set. 

The scammer then agreed to take back the fake merchandise and accepted the return request ( Please see attachments titled " Image_1 '' and " Image_2 '' ).

We proceeded to print the return label and ship back the item ( Please see attachments titled " Image_3 '', " Image_4 '', and " XXXX '' ). 

The scammer then proceeded to REFUSED the incoming shipment ( See attachments titled " XXXX XXXX XXXX ( r ) - USPS Tracking ( r ) Results '' ) knowing that was ALL that is needed to manipulate PayPal 's claim system! 

PayPal will Deny ALL claims as long as the victim does not have a signature from the scammer. 

I just got off the phone with a PayPal Supervisor at XXXX ( Eastern Time ) who outright admitted she was aware of how easy it was to abuse PayPal 's claims process by simply refusing returns. Looking online this scam is well known! 

Even though USPS clearly serves as evidence the scammer received then returned the fake merchandise PayPal 's inflexible system is dangerously easy to abuse in order to steal from consumers, and PayPal 's management admitted they are aware of this and knowingly allow it! 


Account ID : XXXX XXXX