davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Experian has once again, allowed a fraudulent account to appear on my credit file. This account was previously blocked as fraud. This account is still fraudulent. The Company is presenting a driver license that has a fraudulent address on it XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. The Creditor has been notified that this account is fraudulent many times. This account was opened from a thief. This fraudulent address is listed on my FTC Affidavit which I am attaching once again. There is no material mis representation as I am providing actual factual information. I have not lived at this address and have not ever received information at this address. The account for XXXX XXXX XXXX XXXX XXXX is fraudulent that was opened from a thief in XXXX of 2015. They were notified in XX/XX/2015, and this continues. This account shows a balance of {$3600.00} I have not ever authorized this account, I did not sign any account documents, I did not open a membership at this credit union, and I did not authorize any accounts to be opened in my name with their business. This line of credit is fraudulent. It was again opened from a thief using my identification documents, my SSN. Experian has already been made aware of the fraud that has taken place, and of the accounts that the fraudster has opened. This account is listed in my most recent copy of my identity theft affidavit which I am attaching. I am also attaching my drivers license which proves that I am providing accurate information clearly showing my address does not match what this business is providing. 

Fraudulent account not authorized that was opened from a thief that stole my identity. Thus why a fraud alert is on my credit file. Account # XXXX XXXX {$3600.00} charged off {$1800.00} Past due. Opened XX/XX/2015. By a thief that has stolen my identity. This account is FRAUDULENT AND WAS NOT AUTHORIZED. I want this account blocked immediately as the creditor has even accepted responsibility of the fraud. This was sent in a letter to my attorney agreeing they are providing a fraudulent address to the credit bureaus. This information is not accurate.
Consumer complaint received 2021-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (UT)

I'm hoping I am in the right place. On XX/XX/2021, I sent my niece {$200.00} via PayPal as a wedding gift. My niece never received it. After looking, it appears i misspelled email address. She uses her college email address and i put a ". '' between her first and last name when no ". '' was needed. Email address i sent to is not a working email address. I tried sending a test email to it and it came back as undeliverable almost immediately. I have contacted PayPal a couple of times and they tell me to contact my debit card issuer as that was where money was withdrawn from. I contacted my debit card issuer, XXXX XXXX XXXX, and they said that should an issue for Paypal to resolve, which I agree with. I have received absolutely no help from Paypal. I get the same canned message from their support team
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (CA)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 an 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 2018-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

On XX/XX/18 I received a unexpected transfer into my XXXX account. Unbeknownst to me a relative had meant to send money to a different recipient. I researched XXXX help page and learned that XXXX  would return a payment made by mistake at the request of the payee with the recipients permission. ( See attached ) The recipient requested a cancellation so I contacted XXXX customer service via chat within their app. I informed them of the situation and authorized the payment to be cancelled, as it was still in XXXX system - as is required according to the help page ( Reference attachment ). I was told this wasnt possible because my account was frozen and that theyd paid something on my behalf ( which I didnt authorize ). They informed me that in order to cancel the payment I would be required pay my balance. I was unable to pay it in full at the time and didnt know theyd even made a payment on my behalf. I could find no verbiage in any disclosure that contradicts what their help page states. The verbiage on their page is misleading in stating that after the recipient contacts XXXX to confirm cancellation that ( XXXX Customer Service ) would be happy to take care of the rest. The customer service agent ( s ) I spoke with were very unhelpful and unprofessional. 

XXXX chose to hold a payment that wasnt authorized for me in order to have me pay a balance on my account. Furthermore, XXXX wouldnt let me make a payment on my account from my current balance ( which at this point now had {$400.00} of someone elses money which they were holding hostage ) -forcing me to make a payment with an outside payment source in order to collect fees. Between misleading information regarding the process of cancelling a payment and the fact that they are holding or forcing me to hold money that was not intended for me and thus doesnt belong to me, I believe XXXX has violated CFPB regulation.
Consumer complaint received 2018-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DE)

My Mortgage is through Rushmore loan management. We are now in mediation. I applied for a loan modification in XX/XX/XXXX which was approved so I started making the payment via verifiable funds ( XXXX XXXX ). For six months I made payments. In XX/XX/XXXX I had to have XXXX and my short term XXXX was declined. So again I fell behind. Now according to them they sent me papers confirming my modification after the 6 months of payments which I never received. Not knowing the modification was not final and falling behind again, I request another modification. Now I found out that the payments I made in XXXX went back to XX/XX/XXXX. Which put me 19 months behind, So of course I tried to work it out and requested a new modification. That was denied so I appealed and it was denied as a FINAL denial. So now mediation. Well at mediation XX/XX/XXXX I was informed that my fixed rate loan was changed to a ARM and it has doubled my payment plus the late fees and repayment plan. Over 3000.00 a month they want. I never like this company and have heard of many people to whom have also had issues with them. They are hard to get on the phone don't return calls and never give you all the facts.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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 with The XXXX XXXX XXXX - XXXX has violated my rights. 

XXXX Account with XXXX has violate my rights. 

XXXX Account with XXXX XXXX XXXX has violated my rights. 

XXXX Accounts with XXXX XXXX, XXXX has violated my rights. 

XXXX Account with XXXX XXXX has violated my rights. 

XXXX Account with XXXX XXXX has violated my rights. 

XXXX Account with XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-03-04
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: EQUIFAX, INC. (NY)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Consumer complaint received 2021-11-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Advised all 3 credit reporting agencies of XXXX XXXX which they violated the legal rights of consumers by charging or permitting dealerships to charge impermissible documentary or dealer fees in connection with lease-end vehicle purchases pursuant to purchase option provisions in consumers leases which led into my payoff amount is not correct as to date. 

For over a year I have advised Experian the information that is being reported by XXXX was incorrect. Last attempt via phone 2 weeks ago. XXXX and XXXX has cooperated and deleted the account due to inaccurate reporting from their investigation, which are the same results sent to all 3 bureaus ( 1 company ) but Experian will not delete.
Consumer complaint received 2019-06-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management (WV)

On XX/XX/2019 an account was added to my credit report by Amerifinancial Solutions in the amount of {$37.00} from 5 yrs prior. I didn't receive notice of right to dispute and have no knowledge of the account.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX ; DEPT OF EDUCATION/XXXX XXXX ; DEPT OF EDUCATION/XXXX XXXX ; DEPT OF EDUCATION/XXXX XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; DEPT OF EDUCATION/XXXX XXXX ; DEPT OF EDUCATION/XXXX XXXX ;
Consumer complaint received 2023-06-10
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: Experian Information Solutions Inc. (FL)

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-06-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (SD)

I filed a dispute in XX/XX/2018 for {$30.00}. XXXX XXXX XXXX is the merchant. Today I was alerted by Chase that my account was - {$21.00} due to a dispute reversal. I contacted Chase spoke with XXXX who offered a scripted " I do apologize '' before transferring me to XXXX. XXXX informed me that XXXX credited my account on XX/XX/XXXX. I apologized for the oversight on my part and inquired about overdraft feesm XXXX informed me that Chase sent out a letter on XX/XX/XXXX. I informed the representative that I had receiced an email regarding a claim which had been approved but to date had not received notification regarding a denial. XXXX repeated the same scripted " I do apologize but a letter was sent on XX/XX/XXXX. '' She finally stated that there was nothing she could do and Tranferred me to XXXX her supervisor. I was informed by XXXX that an overdraft fee would not be applied to the reversal but overdraft fees would be applied to the pending transactions in my account. She read my pending transactions, there are six. I asked XXXX how was it fair that I may be charged multiple overdraft fees when I was aware of my spending and what was in my account and now due to now due to a lack of communication from Chase I am being held accountable for their error. XXXX provided the same scripted " I do apologize '' and offered to transfer me to the business department for assistance with the overdraft fees. There are no overdraft fees I am trying to prevent them! I am looking at between $ XXXX {$130.00} in fees all because Chase stated they sent a letter which I never received!
Consumer complaint received 2021-01-29
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: SYNCHRONY FINANCIAL (CA)

Care credit lowered my credit line from XXXX to XXXX without notice in XX/XX/2020. I made a payment toward my balance of XXXX with XXXX available. Care credit declares they did not need to inform me of the credit line deduction.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

The credit card company Capital One is not updating nor removing negative inaccurate information back from XX/XX/2015. My balance for this card was paid in full on this date but is still damaging my personal credit score has I have reviewed from the credit bureaus. 

I have filed formal inquiries with Capital One and the three major credit bureaus. Providing all documented support that was requested showing my personal bank statement, cleared check for final balance payoff and letters from the law firm XXXX XXXX   XXXX, XXXX, that Capital One retained again showing proof that this has been paid in full since XX/XX/XXXX of 2015. 

Again I feel Capital One is liable and continues not to be cooperative in fixing this very important personal matter. 

Any help that your department can provide will be much appreciated. 

Many thanks
Consumer complaint received 2020-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK (IL)

My TCF debit card was hacked on XXXX XXXX. I called on XXXX XXXX to dispute the charges. I answered the same questions 3 times, asked for my card, my husband 's card, and my daughter 's card to all be shut off, and got a police report. On XXXX XXXX I received a fraud alert on my phone that more charges had been made. I called the number on the text message and was told that since the charges happened on my husband 's card, they could not talk to me. I asked why they were continuing to allow charges to be made to an account that was now XXXX overdrawn, and they refused to speak to me. My husband called one hour later and answered all the same questions I had answered and asked that our cards be closed and the account closed in full. Since these phone calls have been made, TCF has continued to charge us overdraft fees ( 5 fees of XXXX dollars each ) and they authorized yet another fraudulent charge yesterday, XXXX XXXX. I have been on hold for 30 minutes today trying to address the matter.
Consumer complaint received 2024-03-04
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: EQUIFAX, INC. (CA)

Unauthorized credit inquiries were discovered on XXXX of XXXX. The following inquiries are XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, as per the Fair Credit Reporting Act.

I have the right to privacy under 15 USC 1681 section 602 A, and a consumer reporting agency can not furnish an account without my written permission under 15 USC 1681 section 604 A. 
And XXXX XXXX XXXX XXXX has violated my rights.
Consumer complaint received 2021-01-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My Bank of America account was closed because of Fraud bak in XX/XX/XXXX. I contacted their fraud department and they told me they would close the account but I would not be affected adversely. Later, I tried to open a business bank account but I was not able to because I had fraud on my XXXX XXXX report. I contacted both XXXX  XXXX  and Bank of America and I still have not been able to resolve this issue. I called Bank Of America on or around XX/XX/XXXX and I was hung up on twice. They just keep switching me between departments. I keep asking for verification or something that can be sent in the mail such as an affidavit stating that it was fraud but they have no detailed information on my account. Only that It was closed in XXXX. The sent me " verification in the past but even the verification absolved me of wrong doing because the signature on the forged check and my personal signature on Bank of America Paperwork are different. If they verified the information correctly it would have been manifest that the information should no be on my XXXX XXXX report.
Consumer complaint received 2020-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

I do not have a contract with NATIONAL CREDIT SYSTEMS INC. I am not liable for collection. I am not liable for collection from the original debtor XXXX XXXX  XXXX XXXX XXXX. I was a co-signer for a debt that is already paid. This debtor is no longer established. I contacted the new management company who is now XXXX  XXXX XXXX- XXXX XXXX. They stated that they have no contract with my son XXXX XXXX ( signer ) nor myself XXXX XXXX. ( Co-signer ). I also attempted to contact XXXX XXXX who is the debtor. I was intercepted by a voicemail with no return call to request a contract signed to verify the two different amounts that they claim we owe. I have enclosed the info for all 3 parties. MY DESIRED RESOLUTION : DELETE FROM CREDIT REPORT.