davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a dispute to Transunion on XX/XX/XXXX and have gotten any response from the company and these inaccuracies are seriously harming my credit with my Credit score being 4. 

XXXX Account # XXXX This account is inaccurately reporting multiple different information across all three credit bureaus. 

XXXX  - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$19000.00} with a payment of {$1100.00} on XX/XX/XXXX. 
Payment Status Late 120 days with account rating Open XXXX - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$19000.00} with a payment of {$0.00} on XX/XX/XXXX. 
Collection account with account rating closed TransUnion - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$28000.00} with the date of last payment of {$0.00} on XX/XX/XXXX. 
Collection account with account rating closed These are not small inaccuracies and are causing some serious harm to my credit score when you are reporting a much higher past due and balanced owed and no correct payments. My credit score is 4 with your company and now I know why? 

This account is inaccurate and needs to be deleted immediately. 

XXXX XXXX XXXX XXXX Balance {$690.00} This account was never verified after multiple attempts to reach XXXX XXXX XXXX , XXXX XXXX and ended up filing a CFPB complaint # XXXX-XXXX for no response from the collection agency. Where they have responded on XX/XX/XXXX that they will suspend all collection attempts and return them to the original creditor. You will find the copy of their response in this envelope. 

The Collection agency agreed to suspend all collections attempts and remove this account. Please delete this account immediately. 

XXXX XXXX XXXX XXXX Balance {$1000.00} This account was never verified after multiple attempts to reach XXXX XXXX XXXX , XXXX directly and ended up filing a CFPB complaint # XXXX for no response from the collection agency. Where they have responded on XX/XX/XXXX that they will suspend all collection attempts and return them to the original creditor. You will find the copy of their response in this envelope. 

Collection agency agreed to suspend all collections attempts and remove this account. Please delete this account immediately.
Consumer complaint received 2021-05-02
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: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXXXXXX Bank XXXX XXXX XX/XX/XXXX Experian US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-05-02
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 (AZ)

PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
They just made all difficult for me. 
I received email after 180 days about my money is available. 
10 months waiting for PayPal and they do not help me withdraws my funds. 

PayPal do not respect their own polices, why they keep my money hold if i received the email money is available. 
I don't want PayPal anymore but I just want my money now. 

i guess PayPal should improve the services to customers. 

my email is XXXX XXXX
Consumer complaint received 2024-03-18
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit reports. I recently received an unsigned lease from the debt collector regarding XXXX at XXXX XXXX. They are stating that I agreed to pay thousands of dollars in fees should I terminate it. 

I requested a SIGNED document stating that I agreed to the broken lease terms and I received a document reflecting initials and no signatures by either party. In my understanding a valid lease agreement requires a signature from both parties to be considered a binding contract. 

I am requesting your assistance in investigating this matter. I believe this information on my credit reports is inaccurate and is damaging my credit score and my ability to obtain another rental. 

I have attached a copy of the notice I received from the debt collector, Pro Collect. 

I would appreciate it if you could investigate the issue and contact the debt collector Pro Collect XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX If they can not provide a fully signed lease/document than I request that this information be deleted from my credit report entirely. From all three major credit bureaus, XXXX, XXXX, XXXX and XXXX XXXX if it is so reporting. 

Thank you for your time and attention to this matter. I look forward to your response and a resolution to this issue. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2021-05-02
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)

Please delete All DeptedXXXX  student loan accounts They are all pass the 7 year mark and still reporting Inaccurate payments This is a Violation please delete from credit report Please DELETED all 6 DeptedXXXX students loan from my credit report. It's been reporting pass 7 years and Inaccurate payment
Consumer complaint received 2021-05-02
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)

Please delete All DeptedXXXX  student loan accounts They are all pass the 7 year mark and still reporting Inaccurate payments This is a Violation please delete from credit report Please DELETED all 6 DeptedXXXX students loan from my credit report. It's been reporting pass 7 years and Inaccurate payment
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

American Express has discriminated against i the consumer on XX/XX/2022. This is a violation under tittle 15 chapter 41 pursuant to ( The Equal Credit Opportunity Act ) It shal be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction - 15 USC 1691a ( 3 ) - because the applicant has in good faith exercised any right under this chapter. 

Under tittle 15 chapter 41 congress lets me know that credit is a right. 
( Truth in Lending ACT ) 15 USC 1602f - The term credit means the RIGHT GRANTED by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 

15 USC 1681M -adverse action letter American Express has violated my consumer rights 1 ) 15 usc 1642 2 ) 15 usc 1681M 3 ) 12 CFR 1002 Both letters dated on XXXX XXXX and XXXX XXXX Is both proof and evidence that I have been discriminated against, you are also criminally liable American Express should resort to reasonable procedures to rectify this unfair and compensate me for the use of my Social Security number. Otherwise, this would be considered an unauthorized use since I have received no benefit.
Consumer complaint received 2024-03-18
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (CA)

I called on XX/XX/18 to get info on a debt from my credit report. I told them the amount was incorrect and asked how I could fix it. She said I could only settle the amount.That she has documentation to prove its correct. I said I have documentation showing its not correct and would like it fixed. She still said only option is to settle. I then asked if she could send me info on the interest the company is charging me and she said no. She said I can XXXX it and its my problem they dont have to send me any of the information Im requesting. Very rude lady and didnt not want to help me at all to get this debt resolved.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (MD)

Per IRS Publication 4681, Charge-Off 's are income and income is not permitted to be reported on ANY Credit report ( s ).

This account is a " Charge-Off '' and is in violation of the FCRA & the FDCPA it needs to be removed from ALL of my Credit Reports/Files immediately .

Also, I am invoking my GOD given right as a consumer to exercise my right to Opt-Out of ANY communications the Creditor ( Apple Card/Goldman Sachs ) may have had or is having with and reporting to third party corporations ( XXXX, XXXX, XXXX ) XXXX This is part of the Privacy Act of 1974, in which my rights have been violated and needs to be remedied, as soon as possible.
Consumer complaint received 2020-11-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$1900.00}, {$2900.00}, {$2000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-05-02
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC (VA)

I attended the University XXXX XXXX University  online fall 2020. I received a unsubsized loan and subsized loan from the Department of education. I currently have a XXXX gpa at the school. I received an email on XXXX XXXX stating I have a balance and they were sending it to a collection agency. I email XXXX XXXX back and stated that my balance is handles by loan servicer. These are not private loans are money given to me the school. The loans are already included in my educational loan debt. I even verified by accessing my national student loan data and speaking with my loan servicer. So the XXXX XXXXXXXX XXXX  sent my information to a collection agency anyway. Im assuming the collection agency obtained my phone number from the school the called several Times in a XXXX period I explained to one of the representatives at reliant that those arent private loans they were issued by the department of education. I the unknowingly received an email from the collection agency that I didnt even give my email to stating they send over the information I requested I didnt request any information because I can see my study account even on the statement it shows I received loans which are serviced by XXXX XXXX. The company is desperately trying to collect money that they dont have a right to collect and so is XXXX University XXXX XXXX
Consumer complaint received 2021-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (LA)

I have attempted to have Experian remove an unauthorized Hard Inquiry with no success. I have attached the letter from XXXX XXXX authorizing that the inquiry should be removed.
Consumer complaint received 2021-05-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (PA)

To whom it May Concern : I applied for credit from American Express Serve only because my account with XXXX and XXXX was closed. I contacted XXXX and XXXX and they said for them to credit me the date of the transaction. This is what XXXX done to my account. 
Provisional Credit for Dispute XX/XX/XXXX {$190.00} Now on XX/XX/XXXX The Provisional Credit Reversal XX/XX/XXXX - {$190.00} These funds were not supposed to be reversed out. 

I am seeking these funds back into my account. 


This is the letter that was sent by XXXX  and what American Express Serve was supposed to do. 

XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, XXXX XXXX GMT+5:30 Hello XXXX, Thank you for reaching out to us through the XXXX XXXX XXXX  XXXX My name is XXXX and I am a manager of XXXX 's Customer Support team. I have reviewed your most recent comment and all internal XXXX correspondence. 

Regarding your complaint : I am really sorry for any confusion or trouble. As we mentioned before, the disputes filed for the XXXX purchases were resolved in your favor. In this situation, we recommend reaching out directly to your financial institution to resolve the issue. 

Thank you for your understanding. 

Regards, XXXX XXXX Manager XXXX Customer Support
Consumer complaint received 2021-03-28
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. (FL)

I was a victim of Identity theft. There was a bankruptcy filed on my credit report without my knowledge or authorization. I was able to provide documentation from the Bankruptcy courts and from the 3rd party company they use " XXXX XXXX '' that also provided me documentation that further confirms that they have removed this information from their report. However Experian and only Experian refuses to removed the a dismissed bankruptcy off of my credit report that has been confirmed is fraudulent. I need assistance with getting this matter resolved.
Consumer complaint received 2020-07-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST (CA)

I have had my business accounts closed from Bank of the West for quite some time now and imagine my surprise when I recieve a letter in the mail and several emails regarding an online platform migration as well as the new service charges that I would be assessed. I am afraid that my account information was not properly closed or that it was opened without my consent - this feels eerily similar to what happened at XXXX XXXX a couple of years ago.
Consumer complaint received 2021-06-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

EXPERIAN is not correcting a dispute with XXXX. 
I can not get through to EXPERIAN on either its web site or by telephone. 

I terminated services with XXXX several years ago. 
I owed a balance of {$200.00}. I began paying XXXX {$10.00} per month. 
I confirmed with XXXX customer service and its financial departments that this plan to pay {$10.00} per moth was acceptable. 

I initiated Internet services with XXXX. A person in finance at XXXX told me I could not begin Inter net services until by balance was paid. I was told I had a balance of approximately {$45.00} dollars. 

I had tried to call the supposed collection agency that XXXX had referred ny account to and learned that they did not accept money for account balances and it appears to be a ghost or shadow XXXX operation that did nothing more than provide a means for XXXX to refer accounts so they could say amounts due were referred to a collection agency. 

I paid the {$45.00} and I am now an Internet customer of XXXX. Now EXPERIAN has impacted my FICO score by over 100 points downward. This all appears to be racially motivated and profiling of a XXXX  as well as age discrimination on the part of XXXX and EXPERIAN combined.
Consumer complaint received 2021-01-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

I receive noticed from XXXX XXXX that my credit score dropped XXXX points. I looked up my credit and a company called Credence placed a negative remark on my credit report about collecting a debt. The are representing XXXX XXXX XXXX XXXX. I do not have any idea what this about. I have not purchased any products from XXXX XXXX XXXX XXXX. If it's about wireless service I purchase my phones from XXXX only. They are stating the purchase was made on XX/XX/2021 for {$1200.00}. I called XXXX to dispute the negative report and I'm still waiting to hear from XXXX The other agencies state that negative reports are not on their file. I received a letter from Credence yesterday wanting me to fill out a fraud report for XXXX XXXX XXXX XXXX. I called Credence yesterday and it keeps sending me to XXXX. I do not want to fill out any documents until I know what they are claiming that I bought. I looked up Credence on the web and there are many other people complaining about Credence making fraud claims. I prefer to talk to someone in the XXXX.
Consumer complaint received 2020-05-06
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my social security.
Consumer complaint received 2021-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSH & Associates, LLC (KS)

The following report is showing in my credit and I have not been treated by this place. 
XXXX XXXX XXXX XXXX Reported XX/XX/XXXX {$160.00} Outstanding Payment History Youve made 0 % of payments for this account on time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CC CC CC CC CC CC CC CC CC XXXX CC CC CC CC CC CC CC CC CC CC N/A CC XXXX CC CC CC CC CC CC CC CC CC CC CC CC XXXX CC CC CC CC CC CC CC CC CC CC CC CC XXXX CC CC CC CC CC CC CC CC CC CC CC OK Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due BR Bankruptcy RF Repossession / Foreclosure CC Collection / Charge-off N/A No Data Available Monthly Payment {$0.00} Term Source Type Provided Current Rating Collection/Charge-off Account Details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX Status Closed Type Individual High Balance {$160.00} Unpaid Balance {$160.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Collection Agency RSH & ASSOCIATES LLC
Consumer complaint received 2021-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

My home mortgage was bought by Lakeview Loan Servicing. My monthly mortgage payment has increased by nearly {$300.00}. This increase, which has not been explained, is beyond my means to pay. I require a rationale for this unexpected increase & need to work with Lakeview on the payment. They are not accessible by phone or online. Their inaccessibility is has had a major impact on my finances, home ownership and emotional well being. Lakeview needs to be accessible to their customers.