davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (MD)

My account was permanently disable by Venmo. I had over {$300.00} on this account. It was frozen on XX/XX/2021. An account specialist by the name of XXXX XXXX told me that my account has to be frozen up to 180 days and have no chargebacks or fraudulent after 180 days without any chargebacks or fraudulent activity they would release my funds. Today is XX/XX/2021 I am after my 180 day period. My account has no illegal activity has no chargebacks or fraudulent activity it never did. I have reached out to demo every day after XX/XX/2021 and no one from the company will try to help me with the issue of releasing my funds. The last person that I talk to you was an account specialist by the name of XXXX XXXX who sent me an email today stating that he could not help me with the issue although their rules at Venmo states that my money should be released after 180 days which makes what Venmo is doing with my account in violation of their own rules and regulations. The initial reason my account was frozen I was told was because they needed to verify my identity I sent them my passport as well as my Maryland state ID my identity was verified. Immediately after that they said that I violated XXXX  of the rules but they can not tell me which rule was a violation. If in fact I violated a rule that is fine with me the in fraction for that would be to close my account but after the 180 days the money thats on my account should be released so that I can transfer into my personal bank account. Under no circumstances is the violation of their set rules automatic for them to keep my money after stating it would be released after 180 days Venmo at this point is violating their own sets of rules.
Consumer complaint received 2021-01-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

I did not receive written notification or verification that I owe this debt. It is my belief that I am not responsible for this debt and this collector has used harassing tactics to try and collect this debt that is invalid, incorrect, and unverified. I have never been associated with this company and demand that they refrain from further contacting me and DELETE this item from my credit report. CACH LLC # XXXX, has violated the Fair Credit Credit Reporting Act and The Fair Debt Collection Practices Act ( FDCPA ) which states : The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you. The FDCPA covers the collection of Mortgages Credit cards Medical debts Other debts mainly for personal, family, or household purposes.
Consumer complaint received 2022-03-22
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: CAINE & WEINER COMPANY, INC. (TX)

A lot of inquirers that are not approved by me, I worked for a company that had a data breach and was told information was compromised. Asking to have these items deleted.
Consumer complaint received 2022-03-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying diligently overtime to payoff debt and clear derogatory items on credit. XXXX and XXXX make sense and reporting fairly. However transunion is a continuous let down and when I called to speak a rep XX/XX/XXXX, she was rude and too disrespectful! 
In XXXX I paid off 3 medical collection accounts. I couldn't pay 1 off because there is no contact for this company. Transunion dropped XXXX points on XX/XX/XXXX and another XXXX points on XX/XX/XXXX were derogatory items were lifted. This month ( XXXX ), many credit card items were paid off / down, while all scores increased, transunion AGAIN dropped XXXX points for paying off thousands in credit card debt. Please be mindful when I check the reason for credit score decrease, transunion says score decreased because of debt payoff. Please explain to me what sense does that make if any???? 
I do need someone to validate this information because I am strongly convinced that the negative reporting is incorrect and transunion is only around to damage a persons credibility. I am SO THANKFUL that banks I used DON '' T use transunion for anything! Otherwise I would be so screwed!
Consumer complaint received 2020-07-30
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY DISMISSED  XXXX {$0.00} XXXX XXXX  XXXX {$200.00} XXXX  XXXX  XXXX {$460.00} XXXX XXXX $ XXXX XXXX  XXXX {$590.00} XXXX  XXXX {$590.00}
Consumer complaint received 2022-07-18
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. (NC)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$420.00}, XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act ; XXXX XXXX, has violated my rights with an unauthorized inquiry on XX/XX/20. 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.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute the accuracy of an item that has recently reappeared on my credit report. Specifically, the negative item reported by XXXX XXXX XXXXXXXX has reappeared without any notification, contrary to the protections afforded to me under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
Relevant Information : This negative item was previously removed from my credit report. 
I was not notified of its reappearance, which is a violation of the FCRA 's requirements for consumer notification. 
\ Details of the Disputed Item : Account Name XXXX XXXX XXXX XXXXXXXX Notification to the Consumer : If the item is reinserted, the credit reporting agency is required to notify you within five business days. The notice must include the following : That the item has been reinserted. 
The name, address, and telephone number of the creditor or furnisher of the information. 
Your right to request a free copy of your credit report and to add a statement disputing the accuracy or completeness of the information.
Consumer complaint received 2022-06-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

Wakefield and associates has continued to harass me and told me they would ruin my credit. Every month they continue to hit my credit report, lowering my score even further. I get relentless calls and letters when I have asked them to stop. They also ignore the fact that my entire income is social security XXXX and Im barely surviving as it is. I also suspect this bill is an old medical bill that the VA is responsible for for. Im a XXXX veteran and the VA pays 100 % of my medical bills but sometimes clinics, doctors etc dont want to just thru the government hoops or file in a timely manner so they stick the debt in my credit. Ive also suffered a national natural disaster and have been XXXX since hurricane Sally XXXX XXXX. I have absolutely no means to deal with this debt. Im XXXX and on a fixed income. Im also having a hard time renting because Wakefield constantly hits my credit monthly lowering the score. Im so despondent I cant function. I need a home and a safe place to live and this company seems driven to deny me that. Please help.
Consumer complaint received 2021-02-08
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)

i have been trying to get some negative marks off of my report, that is reported, wrongly for over a year. I have tried writing/calling, and emailing this company. when i call you get a computer, never able to speak to a human, and they don't have my ssn #, nor my address in there system, yet continue to report this information as if it's factual. Ive written all 3 bureaus numerous times, that's a complete joke. What kind of investigation are they doing, if the company doesn't have me, or my # ssn, or address in there system, what kind of information can thy get back from this company, verifying anything? But its still in my reports, a year later. The law says i was supposed to get a early warning notice, ( 15 U.S. CODE 1681n, to prevent these kinds of situations from happening, because of the " sensitive nature '', of consumers affairs, i haven't been able to purchase a house, because of this one company actions, and the bureaus who rubber stamp everything these hugh companies do. Time, energy, money, iv'e had to retain legal council, XXXX XXXX XXXX XXXX, who for over 2 weeks, couldn't reach there legal dept, sorry couldn't get anyone on the phone. CAN someone please advise me, what i can do this is, horrific, over a year.of unnecessary stress. Companies P/N XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-07-18
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: NCB Management Services Inc. (FL)

This Company NCB Management Services Incorporated, I do Know this company Has Many complains, This Company Attempts to collect debt not owed From me. 
I did send a Dispute Letter to the Credit Bureaus then responded was Verified by the NCB, Then I disputed to the Creditor Asking by Proof of my signature but they don't have it, so please I do want you to investigate I'm going to attach proof of this Thank you.
Consumer complaint received 2021-02-08
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. (CA)

i have been trying to get some negative marks off of my report, that is reported, wrongly for over a year. I have tried writing/calling, and emailing this company. when i call you get a computer, never able to speak to a human, and they don't have my ssn #, nor my address in there system, yet continue to report this information as if it's factual. Ive written all 3 bureaus numerous times, that's a complete joke. What kind of investigation are they doing, if the company doesn't have me, or my # ssn, or address in there system, what kind of information can thy get back from this company, verifying anything? But its still in my reports, a year later. The law says i was supposed to get a early warning notice, ( 15 U.S. CODE 1681n, to prevent these kinds of situations from happening, because of the " sensitive nature '', of consumers affairs, i haven't been able to purchase a house, because of this one company actions, and the bureaus who rubber stamp everything these hugh companies do. Time, energy, money, iv'e had to retain legal council, XXXX XXXX XXXX XXXX, who for over 2 weeks, couldn't reach there legal dept, sorry couldn't get anyone on the phone. CAN someone please advise me, what i can do this is, horrific, over a year.of unnecessary stress. Companies XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-07-04
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 without my written instructions. 

15 U.S.C.1666b section A creditor may not treat a payment on a credit card account under an open ed consumer credit plan as late for any reason. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX Case case number is XXXX
Consumer complaint received 2022-07-04
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. (CA)

In accordance with the fair reporting credit act XXXX XXXX account number 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 604 A - section 2 also states I consumer reported XXXX  Can not report an account without my Written instruction or consent to do so.
Consumer complaint received 2023-06-19
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: Upstart Holdings, Inc. (MD)

Over the years, I have been a victim of identity more recently I found out on XXXX my personal information had been stolen and used in a fraudulently workers comp case. 
After this my bank account were hacked and money stolen. Debt collector bought my debt the pursued aggressively. They contacted debts and had some of my accounts closed after being late less than 30 days once XXXX XXXX XXXX XXXX XXXX XXXX The other two accounts I was late once less than 30 days because of a finical hardship. Which I contacted the two companies XXXX and Upstart told them and asked for payment plan - they both denied and started a collection and gave unrealistic payment options, that I could not pay. In XX/XX/XXXX, I refinanced my house to pay those two collections I provided all three credit agency copies of court dismissal because I paid after speaking to the companies which told me to go to each other and the collection agencies for help. It was suppose to be deleted in the status is reported wrong. " It states written or charged off for the full amount '' even though it was not written off and I paid in full nor will they delete or change that status. I have ZERO balance but they refuse to change the status from written off for full amount.
Consumer complaint received 2022-12-13
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fay Servicing, LLC (TN)

Mortgage Assistance application and XXXX were recently submitted to Fay Servicing XXXX. Foreclosure sale date for XXXX XXXX, XXXX received letter from attorney. Request foreclosure sale canceled till processing of mortgage assistance application is complete. Spoke with XXXX ID # XXXX Fay Servicing XXXX she said because me refused the previous modification there would not be any foreclosure protections for me. Fay Servicing documents I received was dated XX/XX/XXXX. I did not receive documents until XXXX. Documents required me to accept the offer by XXXX XXXX, XXXX XXXX Trial payment was due XX/XX/XXXX. Called Fay Servicing XXXX XXXX. XXXX customer service they stated they did not know why the documents were not mailed to me. There is a problem with Fay Servicing, servicing my loan and the modification documents. I am requesting property foreclosure sale be canceled.
Consumer complaint received 2021-01-12
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. (GA)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-06-09
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. (AL)

Credit ran by multiple financial services without my permission. XXXX XXXX XXXX; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX  ; XXXX XXXXg 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 2021-01-11
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. (GA)

I got an alert on XX/XX/XXXX about a collection showing on my report that is completely inaccurate. I spoke with a representative on XX/XX/XXXX and was told this information has been on my credit report since XX/XX/XXXX. This is a lie because I pulled my report on XX/XX/XXXX and had no such file. I have attached the current inaccuracy dated XX/XX/XXXX and the report from XX/XX/XXXX. How can you report and verify that this collection has been on my credit report since XX/XX/XXXX but it not be on a report I pulled XX/XX/XXXX.
Consumer complaint received 2022-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2022-03-31
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 closed out my XXXX Credit card ( XXXX CARD ) in XX/XX/XXXX. I spoke with XXXX and they agreed there should not be a derogatory remark on my credit report. I also spoke to Experian who also did an investigation and they agreed with me as well back in XX/XX/XXXX. As of today XX/XX/XXXX, my credit report still shows a negative remark for XX/XX/XXXX when I closed this account. For goodness sakes, pleaser help me get this negative remark removed from my credit report. For whatever reason, Experian will not remove it from my report, and this negative remark only shows up on Experian. It looks to me like they just want me to pay for boost to have them clean it up but that's extortion, and I shouldn't have to pay to have it removed. No other credit reporting agency shows this negative remark, and the mortgage company I am using only uses Experian. Sounds like a scam to me. 

I have not missed a payment on my credit cards for as long as I can remember, so this negative remark is XXXX. Plus add to this nonsense that I have been reducing my credit card balances for substantially over the last three years and yet Experian has chosen to rapidly decrease/increase/decrease my credit score over the last couple of months with large point swings just as I am trying to get a mortgage. This is absolutely ridiculous. 

Ever try to get Experian on the phone? It's next to impossible as you get caught in an endless recorded loop that does not end up with a live agent. What a total scam of a company, I wonder how much they kick back to the mortgage companies to use their horrible reporting service. Lastly, when I was able to get someone on the phone a few months ago, they told me that they don't make up the score, only report it. What are they talking about, it's there credit score that they calculated from their credit factors, so that makes no sense at all?