davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
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. (VA)

I consumer XXXX XXXX, received a consumer report from Equifax and noticed fraudulent accounts that I didn't consent to nor give written instructions to furnish on my report pursuant to 15 USC 1681b ( a ) ( 2 ). The fraudulent accounts are inaccurate and have affected my creditworthiness. Pursuant to 15 USC 1681 ( 4 ), the fraudulent accounts are an invasion of my right to privacy. I sent an investigation letter to Equifax more than 30 days ago and have not received any response. I am deeply distressed by Equifax 's noncompliance. XXXX is civilly liable pursuant to 15 USC 1681n
Consumer complaint received 2021-10-05
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. (VA)

I consumer XXXX XXXX, received a consumer report from TransUnion and noticed fraudulent accounts that I didn't consent to nor give written instructions to furnish on my report pursuant to 15 USC 1681b ( a ) ( 2 ). The fraudulent accounts are inaccurate and have affected my creditworthiness. Pursuant to 15 USC 1681 ( 4 ), the fraudulent accounts are an invasion of my right to privacy. I sent an investigation letter to TransUnion more than 30 days ago and have not received any response. I am deeply distressed by TransUnion 's noncompliance. TransUnion is civilly liable pursuant to 15 USC 1681n
Consumer complaint received 2021-10-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fidelity Properties Inc. (OH)

I have previously sent you a request to validate my debt, for the following account numbers, on XX/XX/2021, XX/XX/2021, XX/XX/2021 : Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via mail that you did receive my letter on XX/XX/2021, XX/XX/2021 and XX/XX/2021.
Consumer complaint received 2021-10-05
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. (NV)

These inquires do not belong to me. XXXX / XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. US SM BUS ADMIN ODA, XXXX XXXX of XXXX XXXX.
Consumer complaint received 2021-10-05
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. (NV)

These inquires do not belong to me. XXXX / XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. US SM BUS ADMIN ODA, XXXX XXXX of XXXX XXXX.
Consumer complaint received 2021-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I was asking why my credit score dropped with TransUnion when nothing had changed on my credit report. No derogatory information, no past due information, no inquiry information, and and no change in my available balances to my balances on credit limits. No one was able to answer my question nor were they willing to help me try to find out why that happened.

All I am asking is that someone help me get to the bottom of why this happened. I keep asking for supervisors at TransUnion and not being able to talk to one.
Consumer complaint received 2021-10-05
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. (NJ)

I Have contact the Bureaus several times in regards to my Credit Profile. There is a lot of inaccurate information on my credit profile and is hurting my ability to obtain any credit or to move forward in several aspects in my life. I have contacted them about the incorrect information pertaining to my name, address and the accounts that i disputed with them. I never received information back from XXXX Nor XXXX the only bureau that sent me a letter in regards to my dispute was TransUnion which never provided support documentation to my claim stating how the account was verified. I feel as though my consumer privacy rights had been violated and taken advantage of, I need this fix.
Consumer complaint received 2021-10-05
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. (PA)

I consumer XXXX XXXX, received a consumer report from Equifax and noticed fraudulent accounts that I didn't consent to nor give written instructions to furnish on my report pursuant to 15 USC 1681b ( a ) ( 2 ). The fraudulent accounts are inaccurate and have affected my creditworthiness. Pursuant to 15 USC 1681 ( 4 ), the fraudulent accounts are an invasion of my right to privacy. I sent an investigation letter to Equifax more than 30 days ago and have not received any response. I am deeply distressed by Equifax 's noncompliance. Equifax is civilly liable pursuant to 15 USC 1681n.
Consumer complaint received 2021-10-05
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: Porsche Financial Services, Inc. (CA)

I recently pulled my credit report from XXXX, XXXX and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account. Not only was I never late on this account, but according to the FCRA, as amended by the XXXX XXXX, you are required to notify me of the insertion of negative listings. I never received such a notice. Your company never notified me, and your company filed to send me my statements for that month and when I talked to your rep, I was told that this mistake would be deleted. I never received a billing statement from your company. 
FCRA XXXX ( a ) ( XXXX ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section XXXX ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution XXXX submit additional negative information to a consumer reporting agency described in section XXXX ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. 

( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ). 
( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer-reporting agency, the notice XXXX not be included in the initial disclosures provided under section XXXX ( a ) of the Truth in Lending Act I contacted your company and talked to customer service, XXXX who XXXX that it was XXXX and XXXX me that this misunderstanding was going to be removed from my credit report and listed correctly. The representative promised to send me a correct statement so we wont have this maundering anymore of my account and stated that this mistake would be corrected. XXXX payments were sent for XXXX when my lease was up, and I got another card. I have never been late on any of my accounts and have perfect history
Consumer complaint received 2021-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Complete Credit Solutions, Inc. (OH)

I have two companies trying to collect the same debt from XXXX who was bought out by XXXX. Its the same account. I Have been paying one with one payment left and the other company is still reporting on my credit report that it hasn't been addressed. The first company that reached out to me that I have paid the entire balance to is XXXX at phone number XXXX that I have auto drafted from my account for XXXX a week since XX/XX/2021 after an initial down payment of XXXX on XX/XX/2021 for a total balance of XXXX after this last payment that will come out of my account on XX/XX/2021. The other company reporting on me is Complete Credit Solutions or XXXX XXXX XXXX at XXXX. I am not sure which one is scamming me but the company sold the debt to two different collectors and I find this unfair that I have already satisfied the debt as of this upcoming Friday yet my credit is being impacted negatively
Consumer complaint received 2021-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Select Financial Services, Inc. (MD)

I contacted XXXX XXXX  to advise them I was affected by the Covid Pandemic and was told I would be able to suspend my payments under the Cares Act. They sold my mortgage immediately to XXXX XXXX - My acct number with them is XXXX Both on XX/XX/XXXX, XX/XX/XXXX and again today- i was given the run around. 
I contacted them also and was sent to the collection department. I emailed them at XXXX - SUBJECT LINE - NOTICE OF DISPUTE ERROR CORRECTION NEEDED ACCT XXXX XXXX XXXX In XXXX, XXXX and XXXX and XXXX - and again today- I notified my former mortgage company, XXXX XXXX  that I needed to suspend my mortgage payments under the COVID CARES ACT. Now I am getting letter of FORECLOSURE which after speaking several people I know that this cant be correct. PLEASE help me COVID has ruined my life and now you are trying to take my house when I was assured I could get relief under the CARES ACT. My employer was sold after XXXX and my income and life have been affected and I need help. 

I've call their Customer Service - ( XXXX ) XXXX I spoke with XXXX who advised me that he would get this addressed and again I have received a notice of foreclosure! 

My email address is XXXX My Home Address is - XXXX XXXX XXXX, XXXX MD XXXX My cellphone - XXXX
Consumer complaint received 2021-10-05
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. (WI)

I just got off the phone with an Experian supervisor and CSR who told me there were no past disputes against XXXX or XXXX XXXX account which just boggles my mind since I have all the CASES I HAVE SUBMITTED ON THE CFPB! I initially called to ask how to read my dispute results that are coming from them. This guy said he had no idea. And now a XXXX XXXX XXXX account that has been closed for YEARS ending in XXXX is OPEN & CURRENT? XXXX? This company is incompetent and I have no idea what they're doing with these disputes I have filed as they show no record I ever submitted any! This guy told me a different department at Experian deals with CFPB complaints and that I can not talk to them. They have not provided any resolution to my complaints and now stating theres no record and an archived account is now active? PLEASE STOP CLOSING MY CASES UNLESS THERE IS A RESOLUTION PROVIDED!
Consumer complaint received 2021-10-05
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. (IL)

WHEN I WAS YOUNGER MY MOTHER USED MY SOCIAL SECURITY NUMBER TO GET UTILITIES IN MY NAME. I WAS UNDER THE AGE OF XXXX. 
MOVING FORWARD, MY INDENTITY WAS STOLEN IN XXXX. I HAD ME AND MY CHILDREN BIRTH CERTIFICATES, SOCIAL SERCURITY CARDS, ID AND DRIVER LICENSE INSIDE MY CAR BECAUSE I HAD AN APPOINTMENT FOR RENTAL ASSISSTANCE AND FORGOT TO TAKE THEM OUT. ONE OF CHILDERN HAD TO GOTO THE CAR AND GET THIER BELONGINGS OUT THE CAR AND DIDNT LOCK THE DOORS. THE NEXT MORNING WHEN I GOT READY TO LEAVE FOR WORK I NOTICED THAT MY CAR HAD BEEN SEARCHED THROUGH. GLOVE COMPARTMENT WAS OPENED. 
CHANGE WAS MISSING AND MY DAUGHTERS CELLPHONE CHARGER WAS GONE. I THEN WENT TO THE BACKSEAT TO REALIZE THE THE MANILA ENVELOPE WAS MISSING. WHICH IS WERE ALL MY PERSONAL IMFORMATION WAS WITH MY DRIVER LICENSE AS WELL. I'VE HAD A VERY HARD TIME TRYING TO GET THE THINGS I NEED IN LIFE AS FAR AS LIFE. I DONT UNDERSTAND HOW PEOPLE CAN GET ACCOUNTS IN YOUR NAME AND ITS HARD FOR ME TO GET ONE WITH MY OWN IDENTITY. 
NO INFORMATION CAN BE GIVING OUT FROM THESE COMPANIES BECAUSE I DONT HAVE CERTAIN INFORMATION THEY NEED TO VERIFY THESE ACCOUNTS THAT ARE IN MY NAME. IVE TRIED TO DISPUTE THESE THINGS ON MY CREDIT AND NOTHING HAS WORKED. I WANT THIS THINGS TAKING OFF MY CREDIT SO THAT I CAN START MY LIFE OVER WITH HOPE & CONFIDENCE.
Consumer complaint received 2021-10-05
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. (NV)

I have filed a Dispute in regards of inaccurate items on my credit report and it's been well over 30 days and I haven't received any investigating results.
Consumer complaint received 2021-10-05
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. (TN)

There are two bankruptcy that are being reported on all three of my credit reports. This is an invasion of privacy pursuant to 15 USC 1681 ( a ) ( 4 ). The court gave the information to a 3rd party or XXXX took the information and sold it to the consumer reporting agencies.
Consumer complaint received 2022-06-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (MD)

Spring Oaks Capital LLC is reporting a collection that has not been verified. I am not aware of what the original company is and asked Spring Oaks Captial LLC by certified mail for verification of the debt they are reporting. They have not verified this debt and it has been over 30 days since the letter was sent to the company.
Consumer complaint received 2021-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The CREDENCE RM ( Original Creditor : 11 XXXX XXXX ) account that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-11-02
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. (WI)

I've contacted the 3 major credit bureaus on several occasions informing them that the personal information that they are reported on my credit report is incorrect and inaccurate. I have yet to receive any response or see any change and/or update to my credit file
Consumer complaint received 2021-10-05
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. (NY)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2024-04-08
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Five Lakes Law Group PLLC (CT)

I signed up with Five Lakes Law Group to help me get my credit under control and settle some accounts. At the time, I was not delinquent on anything, but I knew it was getting tough to pay. So we set up a plan and I started paying them directly thinking they would settle with creditors and that would be that. They NEVER said they would not pay any one for months and then tank my credit and even have some put me in collections!! This has been going on for almost 2 years now and there is one particular account still showing on my credit as collections even though on Five lakes it shows they are making payments to them. I have tried to fight it on my credit to say the info is false since payments are being made on it but I keep getting denied. I have demanded that Five Lakes contact the creditor to have them remove it and they tell me that can not, even though it is being paid on! I want it removed from my credit, and I want Five lakes held responsible for their false, misleading objectives, and destroying my credit!
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-30
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. (VA)

XXXX XXXX XXXX failed to Promplty report an issue with my Auto Loan account, No one within the branch location could provide reasoning as to why my payment increased {$75.00} a month, This difference in payment amount has been in dispute since XX/XX/2022. Reasoning has finally been revealed on XX/XX/2022 only after a late payment has been reported XX/XX/2022 which violates 12 CFR 1026.13, I have been told by a XXXX XXXX Representative to " Pay the balance and we'll deal any disputed amount later '' on XX/XX/2022. 

XXXX XXXX has then attempted to solidify their case by sending notices via email on XX/XX/2022, which has never been sent to the correct address on file. Please review the attached documentation to better prove my case.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-02
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: DRB-40, LLC (NC)

the company is Diversified Recovery Bureau. they told me that if i do not pay my debt owed to personify financial that i will go to court. i do not believe they can do this. i want them to stop telling me this and just close the debt owed to personify out completely. there is no way im paying this amount of money
Consumer complaint received 2021-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

This is a complaint about Paypal, but I will provide details for all parties involved. 

XX/XX/2021 - Online purchase from XXXX XXXX, XXXX for {$370.00}. The purchase was made from my Paypal using my XXXX bank credit card XX/XX/2021 - Filed a dispute with XXXX banks because XXXX XXXX, XXXX refused to refund after the returns were received. 

XX/XX/2021 - I closed the dispute with XXXX banks because XXXX XXXX, XXXX contacted me and said they would refund me. I received a refund of {$210.00} on XX/XX/XXXX, and {$160.00} on XX/XX/XXXX, totaling {$370.00} XX/XX/2021 - XXXX receive an email from PayPal stating that they've debited my PayPal account balance because I received a duplicate refund on my credit card. 

XXXX XXXX XXXX - XXXX contact PayPal about this problem, they said that they charged my PayPal account balance because when I filed my bank dispute, XXXX banks requested a refund from PayPal. Since PayPal is not authorized to request the money back from XXXX banks, they took money out of my account ( Even though I did not actually receive a duplicate refund ). 

Problem - I lost {$370.00} from this transaction because PayPal debited my account with a false claim.