davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NJ)

On XXXX there are 5 items that must be removed because they are false. 

1. {$160.00} : XXXX XXXX : It says it is from XXXX. I have a prepaid phone; meaning I pay in advance then get my service. I have no idea when and where this showed up 2. {$170.00} : Caine & Weiner Progressive. I do not owe any money to XXXX. I waited to policy completed and I renewed with XXXX. 

3. {$1500.00} : XXXX  : some emergency room fake charge. Listed three times with different dates exact amounts. FAKE. I have insurance 4 {$1500.00} 5 {$1500.00} Kindly remove all 5 charges listed on my XXXX report because they are false.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (GA)

I pay Experian every month to help to increase my credit score and it never moves. I don't see any improvement and or increase with my fico score and it's extremely strange to me because I pay everything on time. I need to see better progress as far as a higher fico and accuracy in reporting my activities
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: The Aligned Company DBA Extra (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX FALSE LATE PAYMENT ON MY REPORT XXXX XXXXFALSE LATE PAYMENT ON MY REPORT ACCOUNT # XXXX THIS COMPANY HAS TERRIBLE CUSTOMER SERVICE FOR STARTERS. 


i reported fraud on my account with this company and they refused to even investigate or fix my account issue. 

i wrote letters for more than a year now and it remains on my credit report. 

my wallet was stolen and my XXXX. my extra card was in both my phone and wallet.. i did not reconize the transactions so i begged for answers and nothing, staff was rude and careless. this has hurt my credit so bad. i couldnt even get into my account because the old number wasnt mine anymore, i wrote emails and called. 

they only responded after the late payment hit my account. then they closed the account so now its hurting my credit SO BAD
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax. They have had both my legal name and date of birth incorrect on my report. As an individual with a very common name it is critical that it be reported correctly. After noting the errors in routinely requested report I both wrote and submitted them a Research Request Form them on XX/XX/23. In that same correspondence I provided them with copies of both my US Passport and Florida driver 's license for support of the requested corrections. Additionally, I requested that a corrected report be sent to any credit grantor for whom they had sent incorrect information in the past 6 months. 
I received from them a report dated XX/XX/23 on which I noted a correction of my Date of Birth. They had NOT, however, corrected my legal name. I wrote them again on XXXX, thanking them for the one correction, pointing out that they had official documentation and asking that they make the name correction and again also send corrected information to credit grantors. 
I received from them a report dated XX/XX/23 in which no correction had been made and they responded asking that I send official support documents for the name change ( passport, social security, dirver 's, etc. ). I AGAIN wrote them on XX/XX/23 repeating the requests and verifying they had already received documents. 
Lastly, I have received from them a report date XX/XX/23 - AGAIN with no correction of my name and the response from them to " send documents '' that they already have. Additionally, they are NOW saying they will not send corrected reports to credit grantors unless I SPECIFY EXACTLY which grantors should receive them!! It is their responsibility to both know which credit grantors they have sent information to in the past 6 months and correct it. MY NAME IS STILL INCORRECT. 
I am not attaching copies of correspondence or incorrect reports but they are available if needed.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc. (FL)

On XX/XX/XXXX I had filed Bankruptcy Chapter XXXX but the mortgage was not included on the bk. Last year when I received the discharge, I was checking on my credit and realized that my current mortgage was never reported. Last year, I called several times to ask about this with no answer. This year I started pressing more and called on XX/XX/XXXX and XX/XX/XXXX and both occasions received a letter indicating that under RESPA will be receiving a response within 30 business days but until today no response has been received. 

In addition I had applied for a loan modification extension but it was rejected because when my current mortgagholder pulled out my credit I do not have credit score with XXXX  as a result of them not reporting to my credit bureaus affecting to be able to obtain credit with other creditors.
Consumer complaint received 2023-07-15
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: CAINE & WEINER COMPANY, INC. (IL)

I have for the past 7 months been sending requests to the CFPB about the inaccurate and incomplete information that continues to remain on my credit file with XXXX. The account XXXX XXXX is ONLY reporting on my XXXX credit file, it is not on any other field. Not only is this account still reporting inaccurate and incomplete information and I have requested this to be updated by the bureaus since XX/XX/2023, but I am also submitting another request. The law states that all information must be complete and accurate and if the request takes more than 30 days the items should be removed from the file. 
The 2nd account is reporting inaccurately and with different dates, different amounts, different notes in the description this is a violation. 
Account : Cain & Weiner- $ XXXX orignal creditor Progressive- DATES ARE DIFFERENT, AMOUNTS ARE DIFFERENT AND THIS ACCOUNT ISNT ON XXXX. Only XXXX and XXXX, this is a violation as all information should be complete and accurate. 
Accounts : XXXX XXXX XXXX {$1500.00} is still also reporting inaccurate information with XXXX and different information with XXXX AND XXXX XXXX this is a violation.
Consumer complaint received 2020-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

According to my Credit Report the following : PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$1800.00} Open balance XXXX XXXX XXXX XXXX Original creditor Debt not owed. Reported account to XXXX in XXXX as stolen
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

On Thursday XX/XX/2020 I tried to submit updated disputes for the two collection accounts that are reporting incorrectly on my credit reports with XXXX, XXXX, and XXXX.I was denied because XXXX  ( the burea I disputed through ) stated that they are not required to validate duplicate disputes. The original dispute however, was never validated, and I never received any correspondence by mail. 

I have also reached out to the individual creditors Discover and XXXX XXXX pleading for verification of the account, or the reported balances, and neither companies have responded as of yet. 

I sent copies of a formal dispute letter, my social security card, and my new and old drivers licenses. The companies have yet to verify with me that the balances reported are accurate. 

Until they can prove that the balances have been reported to the individual credit bureaus correctly, I am requesting that these collection accounts, their incorrect balances, and their derogatory remarks be removed from my credit report while this is being investigated. This is in accordance with the 30 day guideline that states the credit bureau ( s )  have 30 days to look into your dispute, based on the information you provide to it.
Consumer complaint received 2023-07-31
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. (LA)

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.

The letters are stated with items and issues.

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 2023-07-31
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. (OH)

I wanted to inform all parties that in the last thirty ( 30 ) days I explained in my letter to that, you, as a Federal Reporting Agency has not complied followed FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the following accounts : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated.
Consumer complaint received 2023-07-31
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. (MD)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act XXXX U.S.C 1692 XXXX Account # XXXX and # 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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. 
XXXX ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (GU)

I recently opened PayPal acct and on XX/XX/2023 I received an email from stating my order of {$550.00} bitcoins was approved and will be deducted from my PayPal and bank account I never ordered or purchased any bitcoin My PayPal account and bank account do not indicate the above transaction yet please advise
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

summited a dispute with XXXX XXXX XXXX  XXXX company, and SOURCE RECEIVABLES MNG I have just checked my credit report and I see that the item is not marked disputed so I am unsure if the company is following the law, because 15 USC 1692 ( 8 ) states Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
here is my account info to use during your investigation into this matter
Consumer complaint received 2023-07-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

My mortgage account # is XXXX. There is a pending foreclosure sale date of XX/XX/XXXX and I never received notification of a sale date. I have not been able to reach anyone on the phone regarding it. There are several payments made on my account. Some made by me and others I am not sure. It was proven back in XXXX when XXXX XXXX XXXX/Carrington Mortgage requested Relief from the automatic stay and was denied due to bad record keeping. No one could explain these payments nor has the mortgage company updated the balance to reflect the payments made on the account while I was making payments during my XXXX XXXX bankruptcy. I was told the balance would be corrected once the bankruptcy was complete. We were unable to keep making the bankruptcy payments and unsure if the payments were ever corrected. We were denied under XXXX and the mortgage company fast tracked a modification raising both the interest rate and the monthly mortgage payment. Unfortunately, I am illiterate when it comes to the legal jargon placed in front of to sign when I am desperate not to be placed on the street with a XXXX husband and XXXX children under XXXX. I have all of my documents. Even those from which I believe to be prior fraudulent loan modifications I signed for.
Consumer complaint received 2023-07-31
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: Resurgent Capital Services L.P. (GA)

There is a company that I have no knowledge of I was told they had information and I asked to verify in which they could not .This companys LVNV and Resurgent. As I look this company up I see the have several names and they have five accounts under my name and they can verify. I have never had a account with this company. LVNV Funding LLC account ending in XXXX, XXXX, XXXX, XXXX and XXXX. I have asked them to produce paperwork and they have not it have been one year
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (IL)

On XX/XX/XXXX, I submitted dispute number XXXX and requested the removal of inaccurate Phone Records , Records 1 & 2, from my LexisNexis Consumer Report. 
On XX/XX/XXXX, LexisNexis provided a Report of Investigation ( Consumer Number XXXX, Case Number XXXX ) and determined the disputed Phone Records to be Unverifiable. On XX/XX/XXXX, LexisNexis provided a Report of Investigation ( Consumer Number XXXX, Case Number XXXX ) and determined the disputed Phone Records to be Accurate. On XX/XX/XXXX, in response to LexisNexis XX/XX/XXXX communication, and pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ) ( B ) ( iii ), I submitted a Method of Verification Request ( XXXX ) to LexisNexis. Pursuant to FCRA 611 ( a ) ( 7 ), the 15-day statutory deadline for LexisNexis to respond to my Method of Verification Request was XX/XX/XXXX. LexisNexis refused to respond to my Method of Verification Request dated XX/XX/XXXX, within the 15-day statutory deadline ( XX/XX/XXXX ) as required by the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ). Therefore, I demand that the unverified Phone Records, Record 1 & 2, be promptly deleted from my LexisNexis Consumer Report. Additionally, I am interested to learn how LexisNexis was able to conduct a reasonable investigation and verify the disputed items as accurate with a source that no longer exists. XXXX XXXX XXXX was purchased by XXXX XXXX XXXX on XX/XX/XXXX. Details of the purchase may be found on page 11 of XXXX XXXX XXXX filing with the United States Security and Exchange Commission dated XX/XX/XXXX.
Consumer complaint received 2017-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX CFPB : TARP Fund Recipient Bank of America violated RICO and TARP by interfering with and denying me HAMP/HARP. I demand to Close on the Refinancing effective XX/XX/XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX
Consumer complaint received 2023-07-31
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. (CT)

I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.