davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
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. (IL)

I have reached out to Experian & XXXX  over 6 times in regards to fraudulent accounts listed on my credit report. Every single time it comes back as verified. This is my 3rd time filing a complaint with the CFPB & nothing has helped! Experian and XXXX are verifying these accounts without any proof! I have even reached out to the creditors demanding that they show me proof that these accounts belong to me, & they have NOT provided me anything personally that deems the account belong to me. So how is Experian & XXXX  verifying it as accurate??
Consumer complaint received 2022-01-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (MO)

I keep sending this same letter that i upload to the CFPB but this company still lies to u and tell u that they send a letter out to me but its always a copy of an bill from anothe debt collect saying i owe them and when i ask for proof of burden or show me were i agreed to a contract or any debt with this company.
Consumer complaint received 2022-04-28
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, and XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX as well as the Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, has all 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 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.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MD)

I have been disputing two bankruptcies on my credit reports I reached out to the court and was told they haven't talked to any bureau and they sent me a letter saying so I've been trying for over a year to get them off and its causing me terrible hardship I reached out to the XXXX XXXX provider Lexisnexis because XXXX  told me to do so and they deleted one of them but the bureaus won't even after Lexisnexis sent them letters but Lexisnexis and the bureaus still need to delete the other one and they won't send me the information where they're saying they are verifying it from
Consumer complaint received 2021-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (CA)

The servicing of my mortgage was recently moved from XXXX to ServiceMac. Just before the transfer, in XXXX, XXXX was working on removing the PMI from my loan, because I had reached over 20 % equity. The current balance of my loan is {$350000.00} and based on my amortization schedule that puts me at 77.8718 % resulting LTV %. On XX/XX/2021, I sent an email to ServiceMac 's mortgage insurance email address stating the same. They responded on XX/XX/2021 saying that they had received my completed PMI removal request, going through the notes the prior servicer did not complete the processing of your request, but they have opened a task to have a PMI Waiver specialist process the request. On XX/XX/2021 I responded with a thanks, and asked to be contacted one it had been completed, reminding them that I had yet to make my XXXX payment. On XX/XX/2021 I logged into the portal to check to see if this had been done but noticed my monthly payment due was still reflecting the PMI amount. I called customer service and spoke to XXXX who looked into my account and said that the processing of the PMI removal had been CLOSED due to not finding the paperwork!!! I told her about the XX/XX/XXXX email and she had no record of it. I asked her to contact the mortgage insurance department and she said someone would get in touch with me within 24 hours. It is now 24 hours and I logged onto the portal and my monthly payment due was still reflecting the PMI amount. I have responded to the email chain again, but I believe this is my last recourse to try and get this resolved. ServiceMac has terrible recordkeeping and communication with customers.
Consumer complaint received 2022-01-10
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: Experian Information Solutions Inc. (VA)

According to the FCRA laws, any time identity theft is reported, the unauthorized accounts are to be removed. This is now my 3rd time submitting a complaint. I feel like I am purposely being ignored and stalled. I will be filing litigation.
Consumer complaint received 2018-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

Dear CFPB, I am writing this letter in regards to one of the transitions via Paypal. I sold a pair of XXXX shoes on XXXX and the seller disputed immediately after she got the shoes, accusing the item not as described. I am asking for a fair investigation I have listed the picture of XXXX selling page. Unfortunately without investigation, Paypal refunded the buyer without returning my shoes. In the appeal case, Paypal said my shoes is unauthithc. The truth is I bought the shoes from XXXX XXXX and I attached the receipt and credit card statement for the transaction. Besides, Paypal locked my account, and now I dont have access to use my money on the account. 

I have been treated unfairly and to an extent been bullied in this case. And I am not the only seller who has been deprived equal rights in defending ourselves. I am speaking out in hope to save thousands of small business owners like me and to strive for a fair and just online business environment. 


Sincerely
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

When using XXXX.com from the FTC 's website, the Experian credit report will not generate. Instead, you get this error : " A condition exists that prevents Experian from being able to accept your request at this time. ''
Consumer complaint received 2020-06-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX we purchased two plane tickets through XXXX for XXXX flights. 

On XXXX  XXXX, XXXX part of the flight was canceled and we requested a refund of the flights with XXXX and XXXX. XXXX stated they were unable to provide me the refund directly, because I booked through a third party site and XXXX would need to issue the refund. I notified XXXX of this on XX/XX/XXXX. On XX/XX/XXXX XXXX  stated, " According to last updates in policy for XXXX  it is necessary to check directly with the airline if a refund can be provided. We can request all refunds via the special designated platform, a response is expected from the airline within 6 weeks, and it takes another 3 to 4 weeks for a refund to be posted. '' On XX/XX/XXXX I initiated a claim with my credit card company as it didn't seem like I was going to get a refund for the cancelled flights. On XXXX I contacted XXXX again and they stated they would provide an update once received from the airline. On XX/XX/XXXX, XX/XX/XXXX, XXXX I followed up again and have not received a response from XXXX. 

I provided this documentation to Bank of America along with screenshots showing part of the flight was cancelled. On XX/XX/XXXX the entire flight was cancelled by XXXX. Bank of America closed the claim stating : " At this time, we're unable to assist with your inquiry for the following reason ( s ) : - The merchant was willing and able to provide the service, but was prohibited from doing so as a result of circumstances beyond their control. 
- We're unable to obtain credit ( s ) for a service, or delivery of merchandise, that's scheduled to occur at a future date. Please contact us if the merchant fails to perform the service ( s ), or deliver the merchandise, after the scheduled timeframe ( s ) has elapsed. If available, please provide documentation from the merchant to support that they have no intention of rendering the service or delivering the merchandise in the future. '' This is untrue as the merchant was unable to provide the service as the flights were cancelled by XXXX. Per XXXX 's refund policy if a flight is cancelled or changed withing a 3 hr period, I'm entitled to a full refund. I also have an email from XXXX stating, " the refund will be issued to your travel agency in the form of an agency credit memo. '' The second part is also untrue, as the date of service was XX/XX/XXXX and the documentation I provided Bank of America with the cancellations was past the date of service. 

Please help me get my money back as services were not rendered and I'm unable to get my refund from XXXX. The reasons Bank of America provided for the denial of the claim are not accurate.
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them.

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State.

This is my last warning before I proceed to bringing legal action against them.
Consumer complaint received 2021-05-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX is attempting to collect the wrong amount of money from me over a XXXX XXXX Bank ( USA ) NA. and I am already going to court over this situation with XXXX XXXX Bank XXXX USA ) NA.
Consumer complaint received 2023-01-19
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)

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

In XX/XX/XXXX, I pullfed my credit reports and found an a writtenoff account from Comenity capital Bank. I called XXXX XXXX asking for clarification and any documents they had that proved I authorized this account. They explained that a written request had to be submitted and provided me with the mailing address.XXXX XXXX XXXX XXXX , OH XXXX. They also stated that I should send attention to Clerk of Record. 

On XX/XX/XXXX, I sent a request to Comenity Capital Bank requesting documentation that proves I authorized the opening of this account. 
On XX/XX/XXXX, I received a letter, from Comenity Capital Bank, stating thatthey received my requested for validation and confirmed that the information is accurate. The letter also explained that I would need to provide a supeona in order to request application records. 

I sent a second letter on XX/XX/XXXX, clarifying that I was not asking for verification/validation and that I only wanted account origination documents. I also asked for all the evidence reviewed for the accuracy of their reporting. 

I have received no other responses from Comentiy Capital Bank. I made another phone call to them today, XX/XX/XXXX. I spoke with XXXX, in the Account Protection Dept. at XXXX XXXX est.. She explained that she didnt see any past requests on record for me and provided the request for records mailing address I used in my inital letters.
Consumer complaint received 2022-10-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (NJ)

They call me about XXXX XXXX XXXX XXXX, using different numbers. I am aware of my debt, but One Main Financial ( in XXXX XXXXXXXX XXXX  ) can't be calling me XXXX times a XXXX. That is a flagrant XXXX violation.
Consumer complaint received 2019-08-21
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Hello, Today i have seen a couple of enquiries on my credit report which i am not aware. The one is from CAPITAL ONE and the other is XXXX. I didn't recognise these enquiries on my account.Because i haven't applied for any of these accounts.There is something happening.I want these enquiries to be removed from my account.Because they are not applied from me. 

The Enquiries happened on XX/XX/XXXX.
Consumer complaint received 2018-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NY)

I had purchased a couch from XXXX XXXX, called the XXXX XXXX. The couch was riddled with issues, and XXXX XXXX offered full refunds or replacement couches for all customers who have purchased a XXXX XXXX 

The replacement couch process is as follows : the customer is charged the value of a new replacement couch ( a couch of their choosing ) on their original payment method ( in my case XXXX XXXX credit card ). At the time of delivery, the XXXX XXXX  is picked up and a refund is issued to the card in the amount of the original value of the XXXX. I ordered the new couch on XX/XX/XXXX, and the return for the XXXX was issued on XX/XX/XXXX. 

When I checked my last statement, I realized that I was charged interest for the balance on my credit card stemming from the new couch. The only reason this balance was on the card was due to the lengthy processing time it takes XXXX XXXX to refund the XXXX. This is an aggressive business practice because it forces customers to either 1 ) pay the full value of their new couch and then have the refund from the XXXX be applied to a XXXX XXXX credit card which has no balance, essentially coercing the customer to spend the value of a couch at XXXX XXXX in order to get their money back 2 ) pay interest at 27 % on a charge which is only on the account due to their defective product.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

For the past two years I have been attempting to have my credit information corrected on XXXX, Transunion and XXXX. Ive placed fraud locks on these accounts as well due to stolen identity years ago. 

1. My name ( spelling of ) and so called aliases are not correct - false 2. Addresses to which I supposedly lived over the years are incorrect - theyre wrong and false 3. Im also listed as being in the military which is NOT true either. 

These credit agencies refuse to accept information over phone but ask that you fax important and private i.e dob, ssn and driver license. I have been compromised financially and identity theft and advised them as such. No one is willing to correct this information and get it off my records Theyve at lease five different names under my ssn - please help me correcting this.
Consumer complaint received 2018-02-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

I went to send my friends wife money for work she had done for my family via paypal. i did this on XX/XX/2018. It was {$4500.00} The paypal email she told me over the phone was correct, but i typed in the number 4 instead of the word for as she did not specifically tell me that. The money got transfered to the wrong paypal account and the user accepted it. Now that user has not answered my emails about refunding my payment. I opened a case with paypal the same day i made the transfer as we later realized it was the wrong account. and they closed it after a few days saying they did not see anything wrong with my account. Paypal makes it impossible to cancel an incorrect transaction or properly confirm emails of who you are sending payments to. The customer service reps on the phone at paypal were absolutely useless in my case, they assured me I would get my money back and i have not. I am extremly annoyed because this is a lot of money. If it had been {$20.00} i would not care, but its over {$4000.00}.
Consumer complaint received 2019-10-22
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: Experian Information Solutions Inc. (MS)

Experian has previously removed this account on my credit report when it came from other collection agencies, as they have been unable to provide verification of the debt and rarely send the notice. However, it continuously finds its way back into my credit report under a new collection agency. XXXX  XXXX XXXX, XXXX has now put this debt on my credit report. Below is a summary of the specific debt from my complaint against the company. 

On XX/XX/19, XXXX responded to a complaint of a collection on my report. XXXX claims to have sent a validation notice on XX/XX/XXXX, however, it was not received. As the general counsel, XXXX XXXX, knows, the right to dispute this debt under 809 ( a ) ( 3 ) of the Fair Debt Collection Practices Act, the right to dispute does not begin until after I am in receipt of this notice, which I still am not. Like general counsel states that the company has contacted XXXX XXXX XXXX about this alleged debt, however, almost one month after his response on XX/XX/19, I have received neither an initial notice in the mail not verification of the debt to prove I owe it, which XXXX offered to provide upon receipt from XXXX XXXX XXXX. XXXX clarifies that my name is not mentioned in the report, has a different address, and does not provide either, however will not remove it from my credit report.
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AK)

I was notified by mail that money due from the apartment I was moving out of was being sent to collections before payment was even due because the company had sold. With only a few days notice and my concerns with the charges, I feel I was not given a chance to clear the matter before they just turned my account over to National Credit Systems for collection. For this reason ( and others ), I filed a dispute with the collection company National Credit Systems within the 30 day period, that claim was denied. With a lot of fear being set on me that they were about to report to my credit if I didn't make a payment, I decided it was not worth the fight. I know I am responsible for some of the money they are trying to collect, so I came to a settlement agreement for a less amount. Now they are requesting a payment, but refuse to provide me with any documentation stating the agreed upon amount until I pay the total settlement. The only reason they can give me as to why they will not provide documentation is that " they just don't do that ''. I have made many calls to the State General Attorney, the Federal Trade Commission trying to get some clarity on the situation. And I am repeatedly told to not give them money without something in writing. I feel like this is a very reasonable request, I want to pay them and clear this up, but I also need to protect myself and I am not being allowed to do so. 

My credit is my main concern because I am needing to get car in the next few months and a negative remark on my credit will hinder that. I have expressed this to National Credit Systems and I feel they may be using that to their advantage as a scare tactic.