davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd (FL)

XXXX or XXXX I went to check at the small first aid clinic ( at XXXX ) XXXX XXXX XXXX because I fell dizzy, they ask me for my id and insurance I provided both and fill the form they check me for 5 minutes and did not find anything and did not even tell me what to drink or to do just that if that happen again go to the hospital, 3 months later i received a call about that debt and i response i have my insurance how can you ask me to pay that instead of charge the insurance, they ask me to provide again the information of the insurance and did., 4 or 5 months later again i received another call, and i explain the same, since that day they continue trying to collect that 5 minutes of attendance that should be paid for that insurance company that I decided to cancel too. 
they are selling this debt in 5 years like 5 or 6 times to different companies and damage my credit too. 
XXXX XXXX XXXX XXXX Original creditor
Consumer complaint received 2020-05-19
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. (LA)

The below information is reporting to my credit, there is a total of 4 accounts that either need updated or removed from my credit report. One account is my car loan, and it is my account but is not reporting the correct payment history, and the other three accounts do not belong to me at all. All details of these accounts are below and the details as to what is being reported to my credit report. 

XXXX : is my car loan, but I have never been late and I want these late ( s ) removed from my credit report. 

XXXX XXXX XXXX XXXX : this account doesn't belong to me, please see all details below XXXX XXXX : this account doesn't belong to me, please see all details below XXXX : this account doesn't belong to me, please see all details below XXXX Opened XX/XX/XXXX Balance {$21000.00} Payment {$520.00} Account # XXXX AUTO, This is my account, but I was never late on my payments, the late are below that they are reporting to my credit all three credit bureau XXXX XX/XX/XXXX Incorrect info XXXX XX/XX/XXXX Incorrect info XXXX XX/XX/XXXX Incorrect Info XXXX XXXX XXXX XXXX   Opened XX/XX/XXXX Balance {$470.00} This account doesnt belong to me Account # XXXX Type of Account Unknown XXXX XXXX Opened XX/XX/XXXX Balance {$2500.00} This account doesnt belong to me Account # XXXX Type of Account Unknown XXXX Opened XX/XX/XXXX Balance {$260.00} This account doesnt belong to me Account # XXXX Type of account CREDIT CREDIT
Consumer complaint received 2022-07-06
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)

In accordance with the the fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX  has violated my rights. 

In accordance with the the fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

15 US. C 1681 section 602 A states I have the right to privacy 15 US. 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 2022-07-06
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: Experian Information Solutions Inc. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021, with follow ups disputes on XX/XX/2021, XX/XX/2021, XXXX, and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..
Consumer complaint received 2022-07-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP (FL)

Per the attached correspondence I received directly from US Bank, XXXX XXXX is the " Investor '' who invested into anything to incur a loss. 
XXXX XXXX is the party I should be corresponding with about any type of " loss. '' Investor : An investor is an individual ( or entity ) that takes a risk in order to realize future benefits. Such benefits are referred to as the " return '' on investment. 
What Is an Investor? 
An investor is any person or other entity ( such as a firm or mutual fund ) who commits capital with the expectation of receiving financial returns.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

Hello my name is XXXX XXXX XXXX These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy This is Correct information below please update First in last name only : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file. 
These Are the Incorrect addresses below please remove XXXX XXXX XXXX XXXX XXXX Illinois XXXX - XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Consumer complaint received 2022-07-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (IN)

I opened an account with PayPal on XXXX. PayPal issue me a direct deposit option to receive money into my PayPal account. The account number and routine number below Routine Number : XXXX Account Number : XXXX {$11000.00} was locked up in my PayPal account since XXXX, I was told to do kyc, which I did prior to the time given, unfortunately they refused to lift the ban on my account, I contacted customer support on phone, I was informed that I had violated PayPal rules with no tangible evidence how I violated the said rules. The support told me according to PayPal terms and conditions that I have to wait 180days then I will be contacted automatically through my mail that my money is available for withdrawal.

I waited 180days, I got an email From PayPal that my money is available for withdrawal Immediately I logged into my account to withdraw my money, the withdrawal was not working, i contacted the support to help I was told their ban is still effective on my account I have to wait another 180days. I told the support I already waited 180days which I received instruction from PayPal that my money was available for withdrawal.Been calling support since XXXX nothing positive is done. I keep seeing my money in my PayPal account without not being able to withdraw my money since XXXX. To survive has not been easy since XXXX I need help to withdraw my money From PayPal.. 
Help me out of this mess. 

Thanks sir/ma XXXX XXXX
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 


Transunion and XXXX are reporting inaccurate information and won't send me the debt verification letters and investigation reports that I have asked for. They are reporting closed accounts and missed payments. XXXX has already deleted these accounts. The reports I've sent are as follows. The law says they only have five days to respond to me in writing about my dispute letters and they are in violation of my XXXX rights and I've been denied va mortgage refinance and personal loans through XXXX XXXXl as a result. I demand that these inaccurate information be deleted immediately as it has cause financial hardship on me and my family. See dates on dispute letters. No response or confirmation of disputes recieved with the 5 day window.
Consumer complaint received 2020-05-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mediation Recovery Center (LA)

This debt collection company Medication Recovery Center or MRCI has placed a collection account on my credit report. They have refused to acknowledge or respond to my letters requesting them to validate debt that they say I owe. Also, this company is not licensed to collect debt in the State of Louisiana where I live. I have requested validation from this company this on XX/XX/2020 after they sent me a debt settlement offer on XX/XX/2020 and again on XX/XX/2020 with no response. 

This company has no legal grounds to be collecting on this debt. After speaking with the original creditor they stated Mediation Recovery services is not the debt collector.
Consumer complaint received 2020-05-19
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NJ)

I opened a Citi account package includes checking and saving account on XXXX. And the welcome bonus is {$500.00} if you complete one qualifying direct deposit each month for two consecutive months within 60 days of account opening and deposit more than {$15000.00} and keep this amount for at least 60 days. I have successfully met this requirement of this promotion by XX/XX/2020. And I wish to get my bonus crediting my account within 90 days of meeting the requirement. 

However, until today, I haven't received this bonus. And I have contacted the Citi customer service yesterday, they told me it will take another 20 business days to investigate this which is unacceptable!
Consumer complaint received 2022-07-06
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. (MS)

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 2022-11-05
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. (NY)

I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please investigate and fix the accounts listed below. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$12000.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$240.00}.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC. (GA)

I have recently been informed that there is negative information reported by Midlandcre in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing This is not my account on XX/XX/2022. 
I challenge the accuracy, compliance and reportability of this listing.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In Accordance with the Fair Credit Reporting act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681 XXXX  XXXXXXXX XXXX Account # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX 's 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 XXXXXXXX # XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX & # XXXX XXXX XXXX XXXX XXXX Accounts # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  XXXX  # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, # XXXX, & # XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE LIST ABOVE ACCOUNTS HAVE VIOLATED MY RIGHTS. 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C.1681Section
Consumer complaint received 2024-08-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc. (TX)

I have personally reached out more than XXXX times to resolve this matter. I have submitted the attached documents in writing to BSI directly and to their complaint department with no resolution. I agreed to and was approved for loss mitigation as of XX/XX/2024. My loan was transferred and BSI Financial Services has failed to uphold an already approved FHA loan modification. I have now received XXXX documents that contain a full breach of contract and violation of FHA rules and regulations.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

The list has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

As, I pulled my Experian Report I've notice it's showing violations. Please see the list of accounts below. 

Account Info Account Name XXXX XXXX XXXX Account Number XXXX Amount {$5300.00} Account Name XXXX XXXX, XXXX Account Number XXXX Amount {$640.00} Account Name XXXX XXXX XXXX Account Number XXXX Amount {$18000.00} Account Name XXXX XXXX  XXXX XXXX Account Number XXXX Amount {$240.00} Account Name XXXX XXXX  XXXX XXXX Account Number XXXX Amount {$3700.00} Account Name XXXX XXXX  XXXX XXXX Account Number XXXX Amount {$3700.00} Account Name XXXX XXXX  XXXX XXXX Account Number XXXX Amount {$5300.00} Account Name XXXX XXXX  Account Number XXXX Amount {$470.00} Account Name XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX {$2100.00} Account Name XXXX XXXX XXXX XXXX Account Number XXXX XXXX {$1100.00} Account Number XXXX Account Type Charge Card Amount PAID Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that rustled from an alleged theft, no later than 4 business days after the date of receipt.

Under 15 U.S. Code $ 1681e ( b ) and 15 U.S. Code $ 1681i ( 5 ) these account in violation are not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states the to privacy.

Pursuant to 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to will comply will forfeit your claims and will require you to delete all this list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In Accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX. # 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 I looked at my Experian, XXXX and XXXX report on XX/XX/2024 and notice something are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

Resourses