davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Upon checking my consumer report I noticed charge-off remarks being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX never provided me with a 1099c form notifying me that my account was charged off. As for the UCC laws XXXX XXXX XXXX  also failed to follow XXXX by phone or XXXX XXXX for FCRA XXXX XXXX XXXX violated section 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. I also filled a compliment with XXXX. The report will be attached as well.
Consumer complaint received 2023-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (KY)

XX/XX/XXXX  - Contacted MOHELA customer support to inquire line item detailed as Accrued Interest as of XX/XX/XXXX  ( date of call ). Was informed that this was the amount of interest accrued on the summation of loans from date of issuance of loans. I inquired and questioned this reasoning as the original balance of loans was {$230000.00} with current principal balance of {$300000.00} and a total payoff balance of {$310000.00}. The difference of {$7900.00}, which they were claiming was the accrued interest ; the inquiry for the call. Upon questioning I was placed on hold for them to confer with a supervisor. Was told this was " capitalization ''. I responded with explanation that capitalization would already include accrued interest in balance. After multiple holds was told that I would be given detailed information on loan via mail and confirmed mailing address. To date I have received no information from MOHELA in regards to my concerns, however have since received letter from where I paid off one of the loans. This totaled {$33000.00} ; {$32000.00} ( listed as current principal ) + {$880.00} ( accrued interest as of XX/XX/ ) on an original loan amount of {$24000.00}, which already would have interest on the balance of {$8000.00}, ie capitalization. I was not satisfied with explanation as I would have anticipated that balances would have been in total, current principal, going into the COVID interest freeze period.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am submitting this complaint to bring attention to the serious violations of the Fair Credit Reporting Act ( FCRA ) associated with the XXXX XXXX XXXX collection charge-off account on my credit report. The inaccuracies and discrepancies in the reporting of this account have resulted in significant harm to my creditworthiness and financial standing. 
Upon reviewing my credit report, I discovered substantial inaccuracies pertaining to the XXXX XXXX XXXX collection charge-off account. These inaccuracies specifically concern the dates associated with the account, including the date opened, last reported date, and last active date. 
The inaccuracies present on my credit report are in clear violation of the FCRA, a federal statute designed to protect consumers from inaccurate credit reporting. The specific FCRA sections and clauses that have been violated include : FCRA Section XXXX ( b ) : This section mandates that furnishers of credit information provide accurate and complete information to credit reporting agencies. The discrepancies in the dates associated with the XXXX XXXX XXXX account constitute a breach of this obligation. 
FCRA Section XXXX ( a ) : This section requires credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. The inconsistent and incorrect dates are evidence of a failure to conduct such an investigation. 
FCRA XXXX XXXX : This section stipulates that credit reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in a consumers credit report. The discrepancies in dates on my report indicate a failure to meet this requirement. 
These legal violations have not only compromised the integrity of my credit report but have also infringed upon my rights as a consumer. As a result, my creditworthiness has been severely affected, making it challenging to access credit and financial services.
Consumer complaint received 2020-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (AZ)

Today, XX/XX/20, I received a letter from Commonwealth Financial Systems , Inc. stating that they are collecting on a {$250.00} medical bill from XXXX XXXX XXXX XXXX XXXX ; a hospital that i have never been to and have never even lived near. Upon researching the company, Commonwealth Financial Systems, I found that they have a long track history of opening false credit accounts or reopening settled debts and ruining peoples credit. I have always had medical insurance and paid my deductibles, this letter is absolutely an attempt to get money from me with a scare tactic.
Consumer complaint received 2023-09-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXXXXXX, 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 furnish a account without my written instructions
Consumer complaint received 2023-09-22
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)

On XX/XX/XXXX I received an alert from my credit monitoring site advising me that I have an account in collections. However, I shouldnt. I pay all my bills in time and I do NOT owe or have accounts in collections. This account was previously disputed and removed previously and somehow they replaced this account with a new collection agency. 
I am a victim of identity theft and have been since XXXX, I have over 7 police reports for identity theft, I also keep a fraud alert placed on my credit report to help protect me. 
This account was not made by me or authorized by me. 

XXXX XXXX account # XXXX
Consumer complaint received 2023-09-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MT)

I was write and check by XXXX XXXX for removal of a tree and topping of a tree boot the sum of {$1000.00} in XXXX of XXXX. I deposited the check into my chase account and they flagged the check. XXXX said they need to verify that XXXX was the issuer of the check and I t was written to me. I have chase the number that XXXX gave to me and chase said they could not verify it and so they wouldnt call it or the financial institution that she uses. Thay said that they are keeping the money till its verified. 
I went to XXXX XXXX  and the number XXXX provided me is the number attached to her bank account. 
This has caused me great troubles. My water has been shut off Im behind on my rent. I have a newborn a XXXX year old and a spouse who is a stay at home mom.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-18
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-22
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I hope everything is going smoothly for you. I'm just writing to let you know that my credit report contains a number of inconsistencies. 

I won't go all legal on you, but I am aware that I have the option to ask for a new copy of my credit report that contains the updated information. Please do that for me ; I'd appreciate it. I appreciate you reading this and your time.

I have to admit that I am anxious about everything. It's as if you think everything is fine with your finances one minute, and then, bam, you find out that your credit report contains errors. You know, it's not a good feeling ; it feels like you've been hearing bad news all day. It's just a little unexpected, and it's made me defensive.

I'm not only shocked, but I'm also worried about what this might imply for my future. Inaccurate or incorrect information on a credit report is equivalent to receiving an F in math when you know you're an A student, since credit reports are like financial report cards. To put it mildly, it's disturbing, and it has me pondering how this may affect my future behavior.

My credit report should, in the end, accurately reflect my financial situation, is all I really want. Having this inaccurate data floating around feels like a huge knot in the system for me as an average person trying to keep my financial ducks in a row. I'm depending on you to help me set the record straight.

Again, I want to thank you for looking into this for me. I'm hoping we can resolve this so I can stop worrying about it. 

I'm hoping to hear from you soon.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have sent payment and satisfied the debt with Capital One on XX/XX/2023 in the amount of {$530.00} ( see attached photos ) as you will see in photo screen shot I have taken from my application. Soon thereafter I received a docusign email on XX/XX/2023 From XXXX XXXX with the proof of my account paid in full. 

I received a notification from credit monitoring service that this account has reported past due and the balance is still showing. 

I am filing this complaint with proof of debt satisfied and want them to stop reporting in error in violation of my consumer law Rights. My intention is to sue if this is not resolved immediately.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I request that XXXX XXXX remove XXXX late payments and late reports up to 120 days after the end of the Covid-19 Pandemic. I have been unemployed for over a year during the COVID-19 pandemic. My unemployment benefits expire in XXXX of XXXX. I am very concerned about negative reporting due to the fact since my employment is in the cybersecurity sector background checks it part of the hiring process, and adverse reporting can affect my ability to gain employment.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NC)

Fraudulent accounts are being reported on my credit report that do not belong to me. I have attempted to contact the company directly and they refuse to remove it despite my countless letters, and disputes with documentation as proof. This is violating my rights and hurting my ability to get funding I need.
Consumer complaint received 2023-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX I was trying to issue a refund for {$6.00} on a transaction completed on PayPal business. Payals system gave me an error saying it didnt go through and to try again. I did this a few times with the same error ( I captured image of this once ). Follow up realize that afternoon PayPal has now taken {$6.00} out of my account 4 times! Throughout this it never said it was happening and yet it did it four times.

I reached out to PayPal who tell me it is my fault. I am not technologically challenged. I followed the messages at told me to by PayPal try again. So now PayPal has unauthorized quite frankly all of the 4 refunds seeing as I never got to a confirmed state in completing them. PayPal has refused any help and a token {$10.00} credit. This is not my fault and i am offended they keep putting this on to me. They are unwilling to accept their technology flaws and many consumers would stop there. But the principle of the issue is a concern for me. What happens to other consumers who dont know how to argue with them. They need to accept they are half a technology company and technology errors on their part are not the consumers fault. 

I want them to see these issues. I want them to give me back the Money they have taken from my account ( now {$24.00} ). I want them to be accountable to looking into their technology error messages and what it does to the consumer. This is not acceptable.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope everything is going smoothly for you. I'm just writing to let you know that my credit report contains a number of inconsistencies. 

I won't go all legal on you, but I am aware that I have the option to ask for a new copy of my credit report that contains the updated information. Please do that for me ; I'd appreciate it. I appreciate you reading this and your time.

I have to admit that I am anxious about everything. It's as if you think everything is fine with your finances one minute, and then, bam, you find out that your credit report contains errors. You know, it's not a good feeling ; it feels like you've been hearing bad news all day. It's just a little unexpected, and it's made me defensive.

I'm not only shocked, but I'm also worried about what this might imply for my future. Inaccurate or incorrect information on a credit report is equivalent to receiving an F in math when you know you're an A student, since credit reports are like financial report cards. To put it mildly, it's disturbing, and it has me pondering how this may affect my future behavior.

My credit report should, in the end, accurately reflect my financial situation, is all I really want. Having this inaccurate data floating around feels like a huge knot in the system for me as an average person trying to keep my financial ducks in a row. I'm depending on you to help me set the record straight. 

Again, I want to thank you for looking into this for me. I'm hoping we can resolve this so I can stop worrying about it. 

I'm hoping to hear from you soon.
Consumer complaint received 2023-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

Have been in contact with Mohela for months on updating correct payments on XXXX. They continue to tell me it will be updated in XXXX business days each time. I have been calling on this since XX/XX/2022, its has been 10 months now with incorrect information.
Consumer complaint received 2023-09-22
Product: Credit reporting 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. (GA)

Someone opened a credit card under my name at XXXX on XX/XX/XXXX. Also, several other hard inquiries were made, which I do not recognize. I contacted the company and they agreed to close the account. So that account/card is not on my Experian report. But these hard inquiries are showing on my reports. XXXX has removed them. XXXX and Experian have not removed them. 

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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
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. (FL)

On XX/XX/XXXX  I complained to the CFPB about my experience of a fraudulent account XXXX that XXXX XXXX  XXXX is reporting to XXXX and Experian. I have filled out an FTC report regarding my issue with XXXX XXXX  XXXX in the previous CFPB complaint XXXX. The data furnisher stated that the investigation has been completed with the results stating First payment was never received. I was not contacted upon this investigation of the fraudulent account with XXXX XXXX  XXXX.How does the data furnisher complete the investigation without contacting the consumer to get an accurate statement? Also, how can I make a payment to an account that was applied and used fraudulently? Once again my FTC report is attached to this complaint and a screenshot of the results sent to XXXX of data furnishers statement.
Consumer complaint received 2023-09-22
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (MD)

I have been contacted by a collection agency called Sequium at my email address of XXXX regarding an unpaid XXXX XXXX XXXX  wireless bill. 

I informed them that I was not the account holder and that they had the wrong email address. ( I have lots of problems with other people using my address. ) They responded by sending me " documentation '' of what they claim is my debt, including copies of the actual debtor 's bills, including his physical address and phone number. 

This strikes me as a major violation of the privacy of the person who actually owes the debt. 

I have attached PDFs of the two emails they sent me, as well as the copies of the actual debtor 's bills they sent me.
Consumer complaint received 2023-09-22
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. (DC)

I have been working with XXXX for over 5 months now to get the incorrect information on my credit report to be removed. I have never applied for credit card XXXX and XXXX. I have individually submitted police complaints and relevant information to both the banks. They have not responded, and XXXX refused to work further on investigating. I have made multiple calls to XXXX, and they have been extremely unprofessional and rude.
Consumer complaint received 2024-08-12
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. (NY)

FAIR CREDIT REPORTING AGENCY states : 15 USC 1681 section 602 a states, " 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. '' EXPERIAN is a consumer reporting agency and I am the Consumer. " 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. 

XXXX XXXX XXXX XXXX has provided me 1099 C form- which is a certificate of indebtedness. 
Income can not be reported on my credit report! 
EXPERIAN IS not maintaining reasonable procedures.