davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to dispute several items that appear on my credit report. After reviewing my credit report, I have identified several inaccuracies and unauthorized inquiries that need to be addressed as soon as possible. 

Firstly, I noticed that my personal information is incorrect. Specifically, my previous addresses were reported incorrectly. The addresses listed on my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but I have never lived at either of these addresses. 

Additionally, I have no recollection of authorizing credit inquiries by several companies, including 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 and many others. These unauthorized inquiries are damaging my credit score and I demand that they be removed immediately. 

Furthermore, I have noticed that some accounts on my credit report have incorrect information, such as late payments and incorrect balances. Specifically, account number XXXX with XXXX XXXX XXXX XXXX is reporting incorrect late payments, which have not been updated. I demand that these incorrect late payments be removed from this account immediately. 

Accounts with 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 need to be verified and corrected or deleted from my credit report. 

Lastly, I do not recognize the accounts with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have never had any business relationship with these companies, and therefore, these accounts are not mine. Account number XXXX with XXXX XXXX XXXX XXXX and account number XXXX with XXXX XXXX XXXX XXXX should be removed from my credit report immediately. 

I understand the importance of maintaining a good credit score and I hope that you will take the necessary actions to correct these inaccuracies and remove any unauthorized inquiries from my credit report. I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-03
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXXXXXX Balance XXXX {$6200.00} XXXX  XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$6600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AR)

On, XX/XX/2023. I submitted a letter to LexisNexis Risk Management for falsely reporting information from the Bankruptcy Court to the credit bureaus. I have informed LexisNexis to remove this inaccurate information from their database. LexisNexis has violated Congress Laws of FCRA. LexisNexis did not have a Permissible purpose nor did they have my written instruction.

1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction According to the letter I have received from XXXX  XXXX Bankruptcy Court , they do not furnish or report information to third parties.
Consumer complaint received 2023-03-19
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. (FL)

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. 

Account name : XXXX 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 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.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (CA)

On or around XXXX and XXXX. I received a lot of pre approvals from credit karma. Telling me to apply for personal loans and credit cards. I went and applied for these offers and was not approved. I would see these offers everyday when I logged into the site. This has damaged my credit report severely.
Consumer complaint received 2022-08-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (AZ)

SEQUIUM ASSET SOLUTIONSXXXX XXXX collection record ( # XXXX ). {$120.00} the collection is not accurate as its time barred. I received no communication prior to it hitting my credit that would have allowed me to review the validity of the debt. Had you have received that I could have addressed it earlier.
Consumer complaint received 2022-08-09
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. (MS)

I would like to state that TRANSUNION is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave TRANSUNION written consent to report anything on my consumer report. No consent is identity theft. I demand that you remove these inaccuracies off my consumer report immediately. If they are not removed I will not extend my credit to anyone or allow TRANSUNION to furnish a report for me. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing TRANSUNION these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If TRANSUNION wants to continue to do business with me, they should delete the following inaccuracies off my consumer report. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for {$27000.00} -XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX for {$1100.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: Onity Group Inc. (CA)

I come to you with this formal complaint in that I am not aware of this debt all together I do not recall taking out a 2nd mortgage. Nor signing for any documents pertaining to a 2nd mortgage on my home. I am requesting that this debt be validated. I am asking for your help to validate this debt. The lender will not furnish any proof of this debt though they have it attached to my property.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (VA)

On XX/XX/XXXX I disputed several personal addresses and collection/charge off accounts on my credit report. On XX/XX/XXXX I received notification from Experian that the accounts have been verified. The Law states that the items disputed need to be removed within 4 days of receiving my complaint. 

Experian is violating Section 604 15 U.S. Code 1681 B which states the credit reporting agencies dont have the right to report anything on my credit report without my written consent. 

Experian is also violating Section 605 A 15 U.S. Code 1681 C-1 Without my consent means identity theft Experian is also violating Section 605 B 15 U.S. Code 1681 C-2 Experian was notified that the disputed accounts was a result of identity theft and I didnt consent to the accounts being on my credit report and Experian still has not removed the accounts from my report Experian is also violating 15 U.S. Code 1666
Consumer complaint received 2022-11-10
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)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (GA)

LexisNexis is not granting my request I have sent in by U.S. mail, phone, and online at XXXX XXXX XXXXlexisnexis.comXXXX and XXXX XXXX XXXXXXXXlexisnexis.com/, for a Consumer Disclosure Report and a LexisNexis Opt-Out in XXXX and XXXX and XX/XX/XXXX. Their results are requesting the same accurate information to verify my identity that I previous sent in to them by U.S mail and I sent in the same information over the phone. LexisNexis also have an incorrect spelling of my first name from a different request in XXXX of a LexisNexis Opt-Out, after notifying them about it, they still continue to not correct it by updating the error of my first name. The incorrect first name is : XXXX.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (AZ)

I contacted AMEX XX/XX/2020 and informed them of my financial situation in addtion to ( covid19 ) and my need for support. I was told that in order to get support that I would need to pay {$130.00} for the financial program to be implemented. I did not have no where near the amount that they asked for, however, I made a {$20.00} that very day. Then in XXXX I made {$100.00} payment, and made {$75.00} payment. I have since then received several missed payment notification and statements indicating AMEX has not honored their part. I was prompted to call again today and the rep just informed me that they do have a financial relief program and in order to be enrolled ( 12 month 5.99 APR fixed payment of {$110.00}, no late fees or membership fees ). Confused by the terms, which were not previously disclosed, the rep restated they can't use previous payments for the program including the last payment made XX/XX/2020, and if I could not pay the amount as of today late fees and interest have been added to the account. When I asked about why the prior payment were not credited to the program as previously agreed upon. I was then told that I had to call them to make the payment in order for the payment plan to apply. Therefore, none of the previous payments as verbally stated provided any relief ( support ). I am still awaiting a supervisor call to address my concerns. Therefore I believe AMEX billing and marketing practices violates Section 5 of the Federal Trade Commission Act, 15 U.S.C. 45 ( a ) ( 1 ), which prohibits unfair and deceptive acts or practices.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST (CA)

1 ) On XX/XX/2021 i opened a checking account without monthly fees and {$250.00} promotion bonus if {$1000.00} per month of any direct deposit was made for 3 consecutive months. Although i complied with their terms ( i attach the promotion page ) i never received the {$250.00} bonus. Since then i met few people who opened a checking account with Bank of the West during that promotion period and still they waiting for their {$250.00} bonus. This is typical " bait and rip off '' tactic. 2 ) XX/XX/2021 i disputed few unothorized/fraudulent items total amount of {$360.00} and employee that i filed the dispute with over the phone told me that the investigation will take 3 months. After few days XX/XX/2021 i received by mail their completed/Bogus investigation denying my claim ( i attach a copy ).
Consumer complaint received 2022-08-09
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. (NY)

Five years ago, I left XXXX XXXX in order to care for several family members. This resulted in a government overpayment of health insurance/leave benefits. The payroll processor, U.S. Dep't of Agric. Nat'l Finance Center ( NFC ), would eventually send the bill to collections and report it to the Treasury Dept. Bureau for Fiscal Services ( BFS ). I have been on a payment plan for the past 2.5 years. Additionally, when I rejoined XXXX XXXX, NFC  began garnishing my wages for $ XXXX. Despite this, NFC and BFS REFUSE to update this information to the credit bureaus. Every month, they report it as continuously delinquent ( XXXX days late ). I have disputed this multiple times to no avail. The only action they have done is to update the balance, while continuing to report the account as late.Today, I was denied a mortgage due to " late payments '' and " delinquency on federal debt ''. The phone # s listed for NFC on each credit report are all out of service and have been for months. I have called every number listed ; it either rings as being out of service or there's no sound on the other line. BFS is a black hole. I tried contacting them in XXXX only to be told they had no record of the account I was referencing. I later discovered they were attempting to send the same account they were garnishing my wages for to another debt collector. When I finally got them on the phone ( just one time ), I explained that it was excessive to garnish wages for almost $ XXXX AND simultaneously send it to a bill collector. Their response was that " It gets the money faster. '' Is there any recourse at all? At a time when I'm trying to purchase my first home and XXXX ownership rates are already at such lows, this seems incredibly abusive.
Consumer complaint received 2023-03-19
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. (PA)

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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept Of Ed/ XXXX XXXX, Dept Of Ed XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section States : no consumer agency may make any consumer report containing any of the following items of information, Any other adverse items of information, other than records of convictions of crimes which antedates the report by seven or more years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish ay 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
Consumer complaint received 2023-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (DE)

To whom it may concern. My full name matching my passport XXXX XXXX Im from Georgia and I want to complain about a very concerning problem related to the payment service PayPal offered atpaypal.com PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX enriching themselves from my hard earned money. PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. Looking forward for your reply. Thank you
Consumer complaint received 2020-05-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Due to COVID-19, I have negatively financially impacted. It is my understanding that based upon the Governor 's order that there would be a mortgage forbearance, however, that is not true. Select Portfolio Services is instead deferring my payment three months and then requiring me to pay a lump sum payment which does not help me. My understanding was that the payments were supposed to be moved to the end of my loan. Likewise, Select has now threatened foreclosure if I can not pay. I have tried to reach out to them, but they will not work with me. It is my understanding that they are violating the law.
Consumer complaint received 2022-08-09
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: NAVY FEDERAL CREDIT UNION (FL)

I have a few unauthorized adverse Navy Federal credit union accounts on my consumer report. pursuant to 15 USC 1681b ( 2 ) -permissible purpose no consent was given. 


XXXX sent lenders incorrect credit scores for millions of consumers this spring, in a technology snafu with major real-world impact. 

In certain cases the errors were significant enough the differential was at least 25 points for around 300,000 consumers that some would-be borrowers may have been wrongfully denied credit, the company said in a statement. 

it appears that I maybe one of the victims as these accounts was not authorized or no consent. I want the suspect accounts removed from my consumer report and XXXX provide me with a confirmation numbers for every account mentioned here. 

Please send me my consumer report showing the deletions as proof or evidence. 

The accounts to be removed are two Navy Federal charge off adverse accounts on my credit report. Please remove them and provide confirmation number for removal.
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (IN)

I reached out to PayPal when I noticed money missing from my account. I spoke with them and filed a dispute via the website. One of the charges was refunded however the other two were denied. I reached out to PayPal and they told me that two were denied because they were familiar, however these were done hours form my home. I only ever use PayPal for XXXX XXXXXXXX XXXX. I mean of course the pin was used I never received the card to set a pin. So a representative reached out and told me that they refunded one as a courtesy.. however I know that there are laws in place and refunding an unauthorized charge is not a courtesy its their obligation under consumer laws.