davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-18
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC (LA)

I sent National Credit Adjust a letter in XXXX of 2020, asking them to verify the debt that they had listed on my credit, and I never received anything back from them. I called them a number of times and each time I called they would say they are waiting for the documents from the original creditor. Here it is XXXX and I still have not received anything from them in writing.
Consumer complaint received 2021-07-18
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)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was going through my credit report and noticed there are a bunch of hard inquiries on my credit which I never authorized and not aware of them at all. Please fix these by removing them because they were never authorized by me. 

XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2020-06-02
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: CITIBANK, N.A. (TX)

On XX/XX/XXXX of 2020, I purchased a vacation package on the XXXX XXXX XXXX website with my Citi Bank American Airlines credit card XXXX and due to the coronavirus outbreak, that vacation was canceled. 

On XX/XX/XXXX of 2020, I submitted a dispute in Citi Bank because it still reflected that charge, even though the purchase was canceled several weeks before and the money had not been returned to the credit card. 

Around two weeks after that dispute, I received my money back in my account, but today ( XX/XX/2020 ), I see that same amount reflected again in my credit card statement, and the bank says that the investigation was complete and resolved in merchant 's favor on XX/XX/2020, so I'll have to pay for a vacation that I didn't do due to a pandemic. 

I appreciate all the help that you could give me about this situation.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX XXXX XXXX has pulled my credit without my consent. I called them and they said that they did not pull my credit but credit report shows otherwise.
Consumer complaint received 2020-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION (CA)

BBVA credit card notified me of possible fraud charges on my account on text and email, which was great, but they did not take action to remove the 3 fraud charges i never made on my card. I have also called customer service and told them I don't use this card, and request to block my acct and issue me a new one for security purpose.
Consumer complaint received 2020-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (FL)

I received a call on XX/XX/ 2020 asking if I were going to pay a cell phone debt of the amount {$1200.00} I explained I have been with my current cell phone company over 8 years I have no knowledge of this debt can I please have something in writing and I do not verify this debt and now I see if this debt is mine I were told from the rep that I have been warn and now this debt is showing as a collection on my debt. If this debt is mine I never agreed to this debt and I don't know if this debt is mine and if legally they can still sue for this debt. Nor did this company ever verify the debt I gave them my P. O. Box address to sent correspondence still to no prevail I still haven't received anything from this company for me to dispute they just added it to my credit as an collection
Consumer complaint received 2020-09-18
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: EQUIFAX, INC. (MA)

GOOD AFTERNOON ; I was looking through my report and noticed a negative account from a vehicle that was returned to the dealership continues to report incomplete, unverifiable in my credit report. I had the opportunity to talk to several lawmakers and friends that's more versatile on this subject and learned some basic laws in regard to voluntary or involuntary repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Also that an original creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account. I didnt receive this paperwork and you need to remove this account immediately.
Consumer complaint received 2020-05-16
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. (GA)

XXXX  did not properly investigate my credit disputes. I sent them all the required documentation, see documents that I sent to them attached. The letter they sent out to me requested all the same information that I had emailed them with my request. The packet that I uploaded here is exactly what I sent to them. They are requesting duplicate information.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

GOOD AFTERNOON ; I was looking through my report and noticed a negative account from a vehicle that was returned to the dealership continues to report incomplete, unverifiable in my credit report. I had the opportunity to talk to several lawmakers and friends that's more versatile on this subject and learned some basic laws in regard to voluntary or involuntary repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Also that an original creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account. I didnt receive this paperwork and you need to remove this account immediately.
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NY)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2023-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

I am filing a complaint against PayPal regarding the sudden removal of all my funds from my account without any notification or explanation. I was using my PayPal account to accept donations for my game projects, and each incoming payment was labeled as a donation. I had been using PayPal for over two years without any issues. 

However, on XX/XX/2022, I received an email from PayPal stating that I could no longer do business with them and that my account was permanently banned. My balance was frozen for 180 days, and I was informed that I would be able to withdraw my funds after that period. Unfortunately, I never received any email after the 180 days, and on XX/XX/2022, I discovered that all of my funds had been removed from my account without any notification. 

I have tried to contact PayPal customer support multiple times to understand the reason behind the removal of my funds, but they have been unhelpful and only provided vague responses. Furthermore, I have never received any notification or warning about any policy violations or actions that would lead to the removal of my funds. 

I suspect that the reason for the sudden removal of my funds may be due to the fact that I registered my PayPal account in XXXX but logged in from XXXX. I am a XXXX citizen who was living in XXXX, and I registered my PayPal account using my Indonesian document, bank account, and mobile number. However, due to unforeseen circumstances, I was unable to return to XXXX and had to log in from XXXX. 

I believe that PayPal 's actions are unjustified, and I request that my funds be returned to my account immediately so that I can withdraw them. The total amount of funds removed from my account was {$5200.00}, which were all labeled as donations from individuals who supported my game projects. 

To summarize, my problem with PayPal includes the following : Sudden removal of all funds from my PayPal account without any notification or explanation Lack of communication or assistance from PayPal customer support Possible unjustified removal of funds due to logging in from a different country than the one where the account was registered Request for the immediate return of the funds to my account so that I can withdraw them Thank you for your attention to this matter.
Consumer complaint received 2021-08-11
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ECMC GROUP, INC. (NJ)

repeat calls from same company by different callers who were in contact with each other. called when i was at work, using stern and condescending tone and insisting to speak with can't pronounce my name. would not hang up persistent.
Consumer complaint received 2024-02-23
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. (TX)

I want the account removed from my reports at the 3 credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. 
Account # XXXX
Consumer complaint received 2020-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

I refinanced my mortgage with XXXX XX/XX/XXXX for {$250000.00}, 30yr, 5.5 %. In XXXX after the nationwide financial crisis, I applied for a modification and was approved with lower monthly payments. After making the payments I was approved to make, in XXXX I got a foreclosure letter that I had to pay {$16000.00} to reinstate my mortgage. I took a 401K loan for {$16000.00} with interest to pay off the amount owed. In XXXX I was laid off and applied for a modification for the 2nd time. I was approved in XXXX, for 4 %, 40 years, my payment was not reduced and my principal went up to {$260.00}, XXXX. I am now beginning to realize that I was robbed by XXXX. I paid my mortgage from XXXX to XXXX and my principal was up {$7000.00} more than I started with. What happened to 9 years worth of payments. The last few years have been very difficult with my husbands XXXX diagnosis and treatment. Now were looking at our finances and after paying our mortgage for the last 16 years, our principal is only reduced by {$16000.00}. It just does not add up and I dont know where to start or where to get help. I just know Ive been robbed. Please help. I have all documents from XXXX that I can submit if needed.
Consumer complaint received 2020-09-18
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. (MA)

Good Afternoon and happy Friday! Listen, i was really shocked and extremely surprised today when i refresh my credit report and noticed that my auto loan from XXXX continues to report incomplete and unverifiable information for the past year or more. Specifically, i noticed that they are reporting an incorrect, erroneous balance of {$16000.00}, where my correct and legal balance is {$15000.00}. Also, i noticed that they market me late on XXXX and XXXX of 2019 for 30 days, however, i had signed an agreement that those months were deferred and put on the back of the loan and make the terms longer. There are so many incorrect and inconsistencies with the way this auto loan is reporting and it's a violation towards my consumer right and i honestly don't want to waste anyone 's time going back and forth. I would rather either this account made current removing all the late remarks or simply remove this entire tradeline from my credit report.
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Focus Holding Company (FL)

Focus Receivables LLC ACCT : # XXXX XXXX Acct : XXXX I am writing to dispute status on my XXXX Credit Report. I have placed several disputes with XXXX, and the CFPB and nothing has been update. The Account Status is incorrect, it should be listed as paid in full/ closed. The account history is incorrect. The payment {$1500.00} made on XX/XX/XXXX should have been marked as paid or ok on XX/XX/XXXX, and CLS closed on XX/XX/XXXX not XX/XX/XXXX, and thereafter should be marked NR No Data not CO -collwction. The Historical payment history does not reflect payment made on XX/XX/XXXX and still shows outstanding balance of {$1500.00}. So exactly what did you investigate before closing my dispute file # XXXX? Also on that dispute you were asked which is required by law to accurately and completely fill out your report by adding the payment amount and date close, which still hasnt been done. This to me constitutes fraud, and extortion and is in violation of Pub. L. No. 108-159, 117 Stat. 1952, codified to 15 U.S.C. 1681-1681x. Credit ReportFiles are to be accurate, and complete since information contained on this Trade Mark havent been  either, you have legally harmed me under law. Statement that Im seeking remedy under law is to be added to comments immediately. Previous complaint from the CFPB you chose to add theremark on one or two of the six Trade Marks reported why? I spoke to XXXX XXXX at Focus Receivables on XX/XX/XXXX XXXX XXXX Sending out letter to me and XXXX and XXXX again first letter sent XX/XX/XXXX requesting above change. They also told me that they send you the same billing statement to make necessary changes, that I received in the mail and you are responsible for the accuracy and completeness of the report, not them. Since you already received complete and accurate documentation ( that you replied back to me stating you refuse to use information I provided, I assume this matter will be resolved immediately. I am not waiting another 30 days. You are in violation of my consumer right under FCRA and FACT Act. 
I want a copy of the dispute procedure mailed to me and sent to Florida State Attorneys Office listed above. I am requesting my free copy of the full report since I cant get it online and the online link  when available is only for a short period of time, only and doesnt allow me to download and save the document. Do n't state in FCRA provide copy of legal statute, section and sub-section that verbatim proves youare in compliance with regulation/ statue and not your opinion of the meaning to me, the CFPB and the Florida State Attorney General Office listed in the attachment. I am asking The Florida XXXX XXXX office to investigate and prosecute on my behalf, since youhavent deliberately complied with my disputes or complaints with the CFPB : for the {$1000.00} remedy and removal of this Trade Mark due to in action of 2,5 years which has harmed me under law.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Good Afternoon and happy Friday! Listen, i was really shocked and extremely surprised today when i refresh my credit report and noticed that my auto loan from XXXX continues to report incomplete and unverifiable information for the past year or more. Specifically, i noticed that they are reporting an incorrect, erroneous balance of {$16000.00}, where my correct and legal balance is {$15000.00}. Also, i noticed that they market me late on XXXX and XXXX of 2019 for 30 days, however, i had signed an agreement that those months were deferred and put on the back of the loan and make the terms longer. There are so many incorrect and inconsistencies with the way this auto loan is reporting and it's a violation towards my consumer right and i honestly don't want to waste anyone 's time going back and forth. I would rather either this account made current removing all the late remarks or simply remove this entire tradeline from my credit report.
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have multple Incorrect address on my credit report that I need deleted from my credit report immediately as these addresses do not belong to me. 

Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, My CORRECT address is XXXX XXXX XXXX, XXXX IL XXXX. I ask that you please correct this information. 

Also the following inquiries are incorrect and should be deleted from my reports immediately : XXXX XXXX  XXXX  - XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, Thank You
Consumer complaint received 2023-01-27
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. (LA)

I have obtained copies of all three Credit Bureau 's Reports : In accordance with the fair credit reporting act the Accounts Listed below have violated my rights. 15 U.S.C. 1681 section 602 A status, 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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-11
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: EQUIFAX, INC. (IL)

See Complaint XXXX opened XX/XX/XXXX closed XX/XX/XXXX Company 's Response " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that XXXX has been removed from your credit file. A letter outlining our findings was mailed to the address on file. '' Received copy of Equifax report with the same10 digit number ( XXXX ) XXXX remains next to my address on the credit report mailed me on XX/XX/XXXX. Note : this number was associated with my former neighbor with the same last name who formerly owned XXXX XXXX  XXXX but who I have no affiliation. 

Also fraudulent XXXX XX/XX/XXXX hard inquiry which XXXX XXXX submitted for removal back in XXXX still remains.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX is reporting the balance twice on credit report. That is redundantancy. It should not be listed in comments, it's already established in the appropriate location on report Under Balance. Please remove this disgraceful company from my credit report immediately.