davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (IL)

i'am reopening this case again, i 've never get contacted by the consumer financial protection bureau about this case.this occured in 2012 when i used to lived at XXXX kentucky XXXX.i was behind on my rent for rent, i was sent a notice by the land lord i went to court but she never showed up, i was planning to live for XXXX illinois and i told her. in between my departure and the time i was given a notice i get a hole on my tires twice, i called the police, and they did their report, also she break into my appartment without a notice she broke the door when i come home she told me that she was the one who did, iam asking here for fair resolution for this case, the security deposit never get refunded which should bring my balance to {$950.00} and also i want my XXXX tires to get refunded which bring my balance to {$150.00}, i try so many time to contact the collection but its looks like they do n't want an agreement. 
thank you for your help, for further information feel free to contact me at my phone number XXXX thank you for your help one more time sincerely, XXXX XXXX
Consumer complaint received 2016-04-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (TX)

I have a checking account with BBVA Compass bank AND a XXXX XXXX account in XXXX. 

They have an option to transfer money from XXXX account to the other " instantly '' generally within XXXX minutes.. 

They frequently debit my money right away and then delay the deposit in the other account. Unless I call and spend approx XXXX minutes on the phone with people that are clueless about this process to get it resolved.
Consumer complaint received 2015-12-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (CA)

I found out that PayPal has done a credit inquiry. I never intentionally signed up for PayPal Credit. I only signed up for a PayPal account so that I could purchase items securely online. I 've turned down many credit card offers because I heard that the credit inquiries destroy credit. Now my credit has been impacted by an inquiry for credit that I never wanted.
Consumer complaint received 2016-02-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc. (TN)

2006 my home was foreclosed on the original mortgage holders were XXXX and XXXX who both have since removed the old accounts from my credit report. I just recently noticed that Real time solutions has recently started affecting my credit score because they purchased the debt from XXXX that was not paid by the foreclosure they show the account on my report as being active and past due and recently changed something on the status to affect my credit. This company refuses to remove the account even though the original creditors for this debt have done so and it is outside of the 10yr time frame that allows them to report this debt, realtime shows this account as active and when they purchased it it was shown as closed or forclosed. Please assist?
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I XXXX XXXX contacted XXXXXXXX XXXX  and XXXX XXXX and XXXXXXXX XXXX XXXX XXXX to show information they have on me they sent bank statement but not proof of the check or the original signature I also listing them the accounts that's not mine and don't know who the accounts to belong to I also gave them FTC Report that was not honor so im resubmitting the documents need assistance to help remove or block the accounts thats reporting on my credit report without my permission Transunion XXXX. XXXX is giving personal detail without my permission.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I need your help to address the incorrect account appearing on my credit report. This has been detrimental to my reputation, and I need your intervention. The mishandling of my credit report has left me in a difficult situation, and your inaccurate reporting has caused significant harm. You must remove these errors so I can live a normal life with my family.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My account with creditors was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I am writing regarding the debt validation request I recently made under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F. Your agency has not provided the necessary documentation as required by these regulations. Please note that ignorance of these requirements is not an acceptable excuse under the law. you have not supplied the required information as specified in 12 CFR 1006.34 ( c ), particularly paragraph ( a ) ( 1 ) regarding the details that debt collectors must provide. 

Therefore, I demand an immediate halt to any collection activities related to this alleged debt. If you do not comply within 15 days of this notice, I will have no choice but to pursue legal action. This will include seeking both actual and statutory damages and using all remedies available under the FDCPA and Regulation F. Your prompt attention to this issue is required.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I need your help to address the incorrect account appearing on my credit report. This has been detrimental to my reputation, and I need your intervention. The mishandling of my credit report has left me in a difficult situation, and your inaccurate reporting has caused significant harm. You must remove these errors so I can live a normal life with my family.
Consumer complaint received 2015-10-23
Product: Credit card — 
Issue: Other — 
Company: Synovus Bank (LA)

my credit was used due to fraud they report I went over my balance to the credit bureau. they closed the fraud card but opened a new account its now showing XXXX cards on my credit report because I was late XX/XX/2014 it showing as XXXX cards late instead of just XXXX card late because its the same account. I need they to report correctly to the credit I was NOT over the limit now was I late on XXXX accounts. they did reserve the charges but but are not correcting my credit report
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX Balance : {$2200.00} XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$240.00} XX/XX/XXXXXXXX XXXX Balance : {$3000.00} XX/XX/XXXXXXXX Balance : {$13000.00} XX/XX/XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

After mailing Experian a dispute letter asking them to investigate accounts and information that's being reporting inaccurately and unlawfully, they have yet to respond to me with any updates about an investigation nor did they fix any of the errors. I am aware that it is their duty to be compliant with the laws that they agreed to in which they failed to do what's fair and equitable for me as a consumer. The information listed in my dispute letter can not legally be verified inn where there is no signed contracts, agreements, or receipts between me and the creditors reporting the alleged debt. How can they report any account if by law there must be proper verification? How can I owe a debt without a proper agreement or contract set in place? By them reporting these accounts without my consent to share my personal information, there creditors listed in my dispute is in violation of violation my right of privacy. I mailed them a letter asking them to cease all communications with me in which they are legally supposed to stop contacting me which means stop reporting this account through any medium. Violations committed by Experian and the creditor reporting this account : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection/Charge Off 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 XXXXXX/XX/year>
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Re : Complaint Against XXXX XXXX  for Inaccurate Reporting During Arbitration Dear Sir/Madam, I am filing a formal complaint against XXXX XXXX  for unlawful reporting of inaccurate information to credit bureaus while an arbitration proceeding is pending. XXXX XXXX actions are in violation of several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the AAA Consumer Arbitration Rules, and the Federal Arbitration Act ( FAA ).

Inaccurate Reporting to Credit Agencies XXXX XXXX has continued to report inaccurate information regarding my account to consumer reporting agencies while arbitration proceedings are ongoing. This action violates my rights under the FCRA ( 15 U.S.C. 1681s-2 ), which mandates that furnishers of information ensure the accuracy of reported data.

Violation of AAA Consumer Arbitration Rules Under the AAA Consumer Arbitration Rules, XXXX XXXX  is prohibited from taking adverse actions such as reporting inaccurate information during arbitration. Specifically, Rule 9 ( Preservation of Status Quo ) and Rule 10 ( Interim Measures ) are clear that no actions should be taken that could undermine the fairness of the arbitration process.

Violation of Federal Arbitration Act ( FAA ) Under 9 U.S.C. 2 and 3 of the Federal Arbitration Act, arbitration agreements are binding, and any actions, such as reporting inaccurate information, should be stayed until arbitration has been resolved. 

I am requesting that the CFPB investigate these violations and take appropriate enforcement actions against XXXX XXXX. I am also requesting that the reporting of inaccurate information to consumer reporting agencies be immediately halted while the arbitration process is pending. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action to address these unlawful practices. 
Sincerely, By : /s/ XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I sent a letter to the CFO of XXXX XXXX XXXX. XXXX XXXX, and CFO of XXXX XXXX XXXX XXXX XXXX XXXX XXXX as per the XXXX SEC filings ; requesting my information is no longer be shared with third parties without my expressed consent in writing. I informed Equifax, XXXX, and XXXX that I have chosen to exercise my right as per the privacy act of 1974, which went uncontested with XXXX and XXXX XXXX XXXX XXXX, and they are yet to update the account. In addition to that I informed the representatives of Equifax, XXXX, and XXXX that as per the IRS publication XXXX certificates of indebtedness are deemed as income and income is not to be furnished on a credit report. I've uploaded the letters that were sent to both XXXX XXXX XXXX XXXX and XXXX.
Consumer complaint received 2024-09-03
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. (SC)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted :
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DE)

I pulled a copy of my consumer report and noticed that Equifax has nonmailable addresses on my report. The following addresses need to be removed from my consumer report. Non-mailable Addresses : 1. XXXX XXXX XXXX XXXX XXXX, DE XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given Equifax written and unwritten, verbal and non-verbal.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of identity theft and a data breach, and these accounts were opened and inquiries made without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
The fraudulent accounts are as follows : 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 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 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 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$20000.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$18000.00} XXXX XXXX  XXXX Balance : {$15000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$400.00}
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally request the removal of the following fraudulent accounts from my credit report. I have been a victim of identity theft due to a data breach, and I did not authorize or open these accounts. As such, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these accounts blocked and deleted from my credit file. 
Fraudulent Accounts : XXXX. Creditor Name : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$1100.00} XXXX. Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$0.00} XXXX. Creditor Name : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$320.00}
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

ersonal Statement dear Equifax this is a self-attestation that I am victim of XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX. These fraudulent accounts consist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX