davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Hello my name is XXXX XXXX, I am contacting you in regards to the activity on my credit report that I am having issues with. In regards to these particular Creditors being pain in full and taking money from me through the IRS. After being completely removed and free of debt, The creditor or hacker has [ placed the debt back on my accounts after a data breach and I have been trying to get it disputed, I dont know how they lost my data but this has been paid and you can see that it says paid in full but it doesnt explain why the money is back revolving. Which you can say has crashed my credit score from 730 to below 500. I am also not able to see the right payment transactions or even their association with XXXX XXXX which has been used to disregard and they have gone through a data breach as well. This will be my second Attempt to ask them to take this down. When I am contacting these companies they are not giving me a direct answer or being fair like I never paid these off. 

This is most recent disputes. 



XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account number : XXXX Dispute requested XX/XX/XXXX XXXX through Experian Report # XXXX Reason and statement : Paid in full. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX Account number # Dispute requested on XX/XX/XXXX through Experian Report number # Estimated date of resolution XX/XX/XXXX Reason and Statement : The car that was financed by I, XXXX XXXX, was obtained by the dealer and should be seen as collateral. In compliance to the balance, there should be none. 




XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX, Va XXXX ( XXXX ) XXXX Account number # XXXX Dispute requested XX/XX/XXXX through Experian @ XXXX Report number # Estimated date of resolution XX/XX/XXXX Reason and Statement : Account was paid in full by I, XXXX XXXX XXXX XXXX of XXXX. 



XXXX  accounts XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Account number : XXXX Balance : {$1600.00} Dispute requested XX/XX/XXXX through Experian XXXX XXXX Estimated resolution date : XXXX XXXX, XXXX Reason and Statement : Account was closed in XXXX, resolved through claims court in XXXX, Ca I also now have things on my account saying I have a mortgage. When I do not own a house. Now as I check my accounts through Experian, I noticed that XXXX and XXXX have the accounts closed on the other side but they say otherwise they should say paid in full or settled in court.
Consumer complaint received 2021-05-21
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: National Credit Systems,Inc. (FL)

National Credit Systems INC at XXXX XXXX XXXX XXXX XXXX, GA XXXX, has reported an account on my credit report with a balance of {$1200.00}. I do not know this company. I DO NOT have a contract with them. They are not the original creditors. I have never done business with them and I do not owe them any debts. 


-NO CONTRACT
Consumer complaint received 2022-08-20
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. (GA)

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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 2022-08-20
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. (MS)

I am not a third party ..... 

I have filed a complaint and due to that complaint my credit report is not reported properly it was not investigated properly because how could it be investigated properly when I alone looked at my credit report and found at least 18 violations now I read a few laws and seen that everything is supposed to be 100 % accurate on each credit file now due to that my credit is still not where it should be it and it is hurting me more now for that up for whatever reason I would like my credit report revised and fixed. Now I would like all errors violations fixed and compensated for all violations.
Consumer complaint received 2022-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (FL)

To Whom It May Concern:

   As You Can See My History With Debt Collectors Thru CFPB Whom Continue To Try To
Collect On A  $XXXX  Medical Debt, That I Can Prove That I Do Not Owe.
This Is The "Fourth"  Time That Debt Collectors Have Tried To Disturb My Credit Report,
With The Same False Medical Bill.
I Do Consider This  Continued Harassment To Try And Protect My Credit Report From
Debt Collectors. Is There Anything Legally I Am Able To Do To Prevent This On Going,
Non-validated Harassment? 
They Have Flagged My Account Once Again......


The New Debt Collector For This Year Is   PARAMOUNT RECOVERY
They Have Placed A Derogatory Mark  On My XXXX  And XXXX Accounts

PARAMOUNT RECOVERY SYS XXXXXXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX
Consumer complaint received 2022-08-20
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)

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXXXXXX XXXX XXXX am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Best Service Co.,Inc (CA)

MID VALLEY COLLECTIONS FILED A CLIAM OUT OF VENUE DUE TO BEING CAUGHT BY XXXX XXXX OF XXXX COURTS ON XXXX XXXX SEPERATES ATTEMPS BECAUSE OF CASES I FILED IN HIS COURT ROOM HE KNEW MY WORK SHCEDULE AND THEM TO PROERLY SERVE ME AND THEN COM XXXX BACK INSTED THEY FALSELY FILED IN XXXX WHICH LEGALY OUT OF VENUE CLIAMING THEY SERVE ME ON THE XXXX OF XXXX  THIS WAS A CREDIT CARD OF XXXX XXXX WHOM WENT OUT OF BUSINEES AND LEFT ME NO WHERE TO PAY THE ORIGNAL AMOUNT WAS XXXX THEY PLACED XXXX ON MY HOME AND TOOK XXXX NEED HELP TO RETREVE XXXX Back I am care provider for my disable daughter on fix income and suffering
Consumer complaint received 2022-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.T.R. Financial Services, Inc. (NY)

RTR Financial Services at XXXX keep on calling my number and playing the recorded message to give them a call back. I thought it was a fraud then blocked their caller id, however, they continued to leave a voice mail. When I try to call back, they never answer but ask me to leave a voice mail. This seems very shady business.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MD)

Below is my latest correspondence to the company which includes needed details. 
I am reaching out to you with hopes to resolve this matter ASAP as Ive been dealing with it for 4 months already which is hindering me from purchasing my home. 
I had a 1 year promotional account with you all and I paid it off on time in XX/XX/2020. In XXXX I noticed you all update my credit stating that I had a late payment of {$7.00}. I called and spoke to a rep who removed it and ensured me that my late payment would be removed from my credit report. After 30 days it was still reporting, I filed a dispute with the credit bureaus who received confirmation for you all that the late payment was correct. 30 days later I filed ANOTHER dispute and you all said that the payment wasnt in XXXX it was actually in XXXX! I then reach out to you again on XX/XX/XXXX to figure out whats going on because at this point its fraudulent activity to continue falsifying information. Your supervisor notifies me that she will push an update to the bureaus that the payment is incorrect but this has not occurred. I called last week and again today to no avail and even found out that you have decided to close my account which is retaliation from me actively holding your company accountable. As stated above, I need this resolved ASAP because it is hindering my ability to purchase a house.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: NAVY FEDERAL CREDIT UNION (CA)

I was sent a bogus email telling me to log into my bank so they could show me negative changes on my report. But my bank said they'd never contact me for that or in that way. They're SCAMMERS!
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (MI)

on. for 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXX late payment was reported XXXX  Account # : XXXX XXXX XXXX late payment was reported XXXX XXXX Account # : XXXX XX/XX/XXXX late payment was reported XXXX FCU Account # XXXX XXXX Date Opened : XX/XX/XXXX 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. 

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 any reasons.
Consumer complaint received 2019-03-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OH)

Ok for the record this is the third time we have filed a complaint against XXXX XXXX XXXX XXXX XXXX   since we took out a loan in XX/XX/XXXX for XXXX. Here are the predatory terms we signed 13 years ago ; 8.67 % DSI for 30 years. These terms have been litigated in XXXX County Ohio case ( XXXX ) and determined predatory lending practices. Currently, in XX/XX/XXXX we made a payment on ( WF ) XXXX web site on XX/XX/XXXX and they didnt apply it to the account until the end of the month costing us daily per diem charges. 

The most recent error by their employees happened on XX/XX/XXXX. I paid XXXX by phone and asked for my balance and she said XXXX. Instead my balance is XXXX. She gave me a confirmation number XXXX to Confirm my balance! In XX/XX/XXXX XX/XX/XXXX falls on a Saturday. I made the payment early and my bank confirmed that WF in Iowa got the payment on Sunday but I called them and they applied it on Monday XX/XX/XXXX. Once again this goes against the terms of loan, those funds must be applied immediately. The bank is not open on Saturday, Sunday or Holidays so this is fraud. Why cant you help us this time, use case law!
Consumer complaint received 2021-03-20
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. (KY)

I have disputed the inaccurate reportings with XXXX XXXX and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX XXXX is reporting an opened date of XX/XX/XXXX, XXXX is reporting an opened date of XX/XX/XXXX and Equifax is not reporting this account, XXXX XXXX XXXX XXXX XXXX is reporting an opened date of XX/XX/XXXX and a balance of {$680.00}, XXXX is reporting an opened date of XX/XX/XXXX and a balance of {$680.00}, Equifax is not reporting this account, ORIGINAL CREDITOR XXXX XXXX  and XXXX are not reporting this account, Equifax is reporting an opened date of XX/XX/XXXX and a balance of {$130.00}. ORIGINAL CREDITOR XXXX XXXX and XXXX is not reporting, Equifax is reporting an open date of XX/XX/XXXX with a balance of {$130.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX XXXX and Equifax considered to be furnishers? These accounts do not belong to me and XXXX XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2019-03-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

MY EQUITY SOURCE ACCOUNT APPLICATION WAS DENIED BY CITIBANK NA BECAUSE OF CURRENT DEROGATORY TRADE INFORMATION ON CREDIT BUREAU.I WISH TO HAVE THIS CREDIT INQUIRY REMOVED FROM ALL XXXX CREDIT REPORTING AGENCIES BECAUSE CITIBANK DID NOT PROVIDE ME WITH ANY DETERMINATION BASED REASONS.THE ENCLOSED ADVERSE DECISION LETTER IS DEFECTIVE AMBIGUOUS AND LACKS CLARITY..
Consumer complaint received 2021-04-05
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: Experian Information Solutions Inc. (FL)

I was disputing hard inquiry from XXXX XXXX XXXX, 2020 and their response was it shouldn't be hard but soft inquiry. Bank 's response attached to this complain.
Consumer complaint received 2023-04-08
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. (NV)

I have sent Experian multiple requests asking what method was used to validate the debt. I have submitted documentation from the Bankruptcy court advising that they do not report bankruptcies, I have contacted pacer and they have also confirmed that they do not report. I have also contacted XXXX XXXX and have also confirmed that my report is current locked and no information has been provided. I have submitted all the documents of proof and I just received that the account has been verified. I am requesting who, and what method was used.
Consumer complaint received 2022-04-12
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. (FL)

My credit report contains many errors. I request your investigation of the following " personal information ''. Please see the attached photo copy of my drivers license and statements for your reference. For the record : 1. My name is : XXXX XXXX. Please remove all other name variations IMMEDIATELY as they are not accurate! 
2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX remove all other addresses IMMEDIATELY as they are not accurate! 

Please delete these disputed items. Thirty ( XXXX ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2019-03-23
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)

This is a written request to remove fraudulent information that is showing in my credit file, I have file an FTC complaint that is attached to this complaint. 
My information has been breach in pass equifax and other breaches, please remove these fraudulent information from my equifax report. 

Thank you.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX : {$760.00} DXXXX XXXX Balance : {$1500.00}
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have been disputing this debt since 2019. I have contacted the collections agency and as others debt was paid prior to it being sent or sold to their agency and that they should contact the leasing office to validate payment. XXXX XXXX refused and continued to informs me via by phone that the {$1000.00} debt was still owed. I have disputed this matter by mail email and online with return collections notices and false validated correspondence. This active collections has cost me job opportunities, missed work opportunities to relocate due to not being able to secure an apartment due to not only the collections being open and active but also showing an outstanding balance for rental. I have been denied for multiple apartments, townhomes and condos due to this erroneous report to both my credit profile and rental history. Ive also been forced to pay an influx of non refundable security deposits due to this reporting by XXXX XXXX. Ive lost reputations faced humiliation and judgment. The attached information you will see the most recent collections notice following numerous pages of false validation. Also attached is a letter from the initial debtor that the {$4300.00} was paid in full days before being sent to XXXX XXXX. Also fact, XXXX XXXX never provided me with a letter 5 days prior to reporting this erroneous information to my credit profile. Had they complied by law and sent me a 5 day notice I would have provided the inclosed proof that this matter was satisfied in full. XXXX XXXX is in full violation of my rights as a consumer under the law section 15 U.S. Code 1692e. Verbal communication XXXX XXXX has use many stall tactics and numerous threatening claims of legal action against me.
Consumer complaint received 2021-05-21
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. (NC)

Hey hope you guys can help me in this matter. There were a couple inquiries I noticed on my credit report today that are fraud. I never gave these companies my personal information to run my credit report. They are in violation of the Fair Credit Reporting Act 15 USC Section 1681 for unlawfully obtaining my credit report. I never gave them permission these are FRAUD. I noticed my scores have also tremendously dropped due to these companies non compliance. I tried calling and sent letters and nothing was resolved I have no other choice but to submit a complaint on my end. I also attached an identitytheft report because these are not mine. Thank you for your help.
Consumer complaint received 2021-10-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

HI Team, I have made international money transfer through transfer wise ( Membership number : XXXX. I transfer money from my overseas account of amount {$5000.00} on XXXX ( Reference enclosed ) and ask them send it to my XXXX account for family maintenance. But they rejected the payment and suspended my account and confirmed me to refund it to origin bank from where funds were received. 

Since then i am waiting for my funds into my bank account till now i wont received it and if i try to mail customer care they said payment already transferred it on XXXX but i dint received it in my account till date. And Customer Care people giving different answers when i try to mail multiple times. i am literally worried about my hard eared money i had lot of expense to paid off. could you please help me in this regard. 

Mail id : XXXX XXXX