davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX please remove any other variation of my name. My SS XXXX DOB XX/XX/XXXX. My current and only address is XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX please delete the folowing addresses they are not correct : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX Please remove these unknown cellphone number they are not mine : ( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX
Consumer complaint received 2018-06-07
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. (CA)

It has come to my attention that XXXX XXXX XXXX has reported some incorrect payment information on my credit. Upon receipt and review of my credit report, I found late payment on the following date : XXXX XXXX XXXX   Account # XXXX has one 30 days past due as of XX/XX/2016The issues with this alleged late payment is that the payment was never late please see attached payment history and on time payment in the months in question. I have disputed this with the credit bureau and XXXX XXXX keep on verifying the information as accurate instead of following the Fair Credit Reporting Act and doing a complete validation of this inaccurate reporting by auditing their records and documentation.

XXXX XXXX The 30 day late reporting made by XXXX XXXX XXXX is incorrect and constitute very serious violation of the Fair Credit Reporting Act and my rights. It has damaged my credit and is preventing me from getting a home loan and obtaining credit. XXXX XXXX XXXX  has received payment in the month it reported me late.

What the attached proof of payment shows is that XXXX XXXX XXXX account was always paid on time and was never late. I have tried multiple times to have this incorrect reporting corrected by contacting XXXX XXXX XXXX  directly but XXXX XXXX  keep violation the Fair Credit Reporting Act and my right by maintain inaccurate information on my credit file The credit bureaus need to follow the investigative process described in the Fair Credit Reporting Act and do their job properly and require the creditors to provide actual proof of late pays. I am holding XXXX  and TRANSUNION responsible for not following the FCRA. In the absence of real proofs, the credit bureaus MUST delete this erroneous reporting. The credit bureaus have failed me in this respect, breaking the law, damaging my credit by maintaining inaccurate and unverified information on my file.
Consumer complaint received 2018-06-07
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. (FL)

Please remove the following fraudulent inquiries from my Transunion credit report : XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2018-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

No fraud protection via XXXX despite the fact that it's offered through your bank! 

I used XXXX to purchase concert tickets however I never received the tickets. The amount was {$400.00} and was sent to XXXX ( XXXX XXXX ) via XXXX. 

I contacted XXXX to cancel the transfer only to find out that it's not possible and they can't do anything to recover my money.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( XXXX, XXXX, and experian ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.
Consumer complaint received 2018-06-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2018 I sold item on XXXX for {$240.00} buyer complained to XXXX   about cancelling order after shipment was in progress then opened did not receive item case with XXXX and lost since I use XXXX/Paypal labels. Then buyer open chargeback with Paypal after receiving shipment through financial institution. Paypal asked me for proof of delivery which was supplied to them and buyer also signed for shipment at time of delivery. Paypal keeps holding me responsible for the now XXXX ( XXXX more dollars for chargeback fee ). If I have so called Paypal Seller Protection why is this happening against my seller 's account with a negative balance that they keep taking away and putting back. No seller should be subjected to this type of negative treatment after a tangible item was delivered and signed for.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I have sent multiple certified letters in XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX to Equifax asking them to verify collection accounts on my credit report ( from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX by providing the original contract or agreements with my signature on it and the name of the person they interviewed to verify accuracy of this debit. 
I suspect fraudulent activity and have not been provided with original legal documentation to verify these accounts are accurate.
Consumer complaint received 2018-06-07
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: SYNCHRONY FINANCIAL (CA)

My I.D and social security number were stolen 2 months ago and XXXX XXXX is letting me know that i have 3 hard inquiries that i did not give permission to in the past 3 weeks.
Consumer complaint received 2018-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (WA)

My bank has been having problems with automated payments to my credit card company - cancelling them because of the amounts involved in concerns for fraud. I am able to make manual payments on my card. Because the automated payment is returning each month, the credit card company is putting a 7-day payment hold on ALL payments made to them. On top of this, when an automated payment is made, I can't pay any amount on the card until the original payment has failed because I'm not allowed to pay above the balance on the account. I have discussed with customer service the situation several times and they refuse to acknowledge that the automated payments are the ones failing and the manual payments are all going through. They refuse to release payment holds on the credit card. 

The problem this causes is that the CC account shows it is under the credit limit but on some internal system goes over its credit limit and the card is declined. The account balance on the card remains low ( showing on all services and in automated customer service system as paid ) while the customer service representatives report the balance as over the limit ( showing as not paid ). 

This is the card which I have signed up all recurring service charges to - phone, security, alarm services, insurance billing, etc. These are highly important charges to go through and because of this situation with the CC, I am regularly having to call customer service for each of these services to fix the failed payments. 

I have requested that the credit card company provide any possible mechanism to make the CC functional again. Releasing the payment hold on manual payments was refused. Increasing the CC limit was refused. Speaking with someone else was refused. They refused to provide me with a notification when the internal CC limit was being approached so that I could avoid it going over. They refused to make it possible to pay over the account balance during an automatic payment. The closest I have come to a resolution was after offering to send in a bank statement showing the transaction, they said that they would review it and it was in their discretion whether or not to release the payment hold. 

I have been working with my bank to fix the automatic payment issue, and hope that it will be resolved soon. The refusal of the CC company to find a way to have the CC be functional is a massive headache and not providing the service for which I signed up.
Consumer complaint received 2023-03-17
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: EQUIFAX, 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.

Account : # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : 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 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 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MN)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (GA)

I attended two Universities. XXXX University where I obtained XXXX XXXX degrees in XXXX  and XXXX University where I obtained a XXXX XXXX in XXXX. 

I do not recall the specific times but I received numerous phone calls and occasional emails to consolidate or " refinance '' my loans. During these periods of time that I was called constantly and asked to sign new loan documents, I was told that because my loans were being consolidated and or refinanced, my payments were suspended. I have learned that I have multiple lates payments during this off and on process of loan consolidation/refinancing. 

I spoke with Nelnet concerning this but to no avail. I do not know how to find out who was calling and emailing me about the consolidation, refinance because it was a few years ago and I do not have that information. I did was I was told and trusted that what I was being told was accurate and never was I told a payment was due or that I would sustain a late payment or derogatory credit rating during this process. I do not dispute the balance only the late payments. Please help
Consumer complaint received 2024-10-12
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)

There are multiple credit inquiries on my credit profile that were unauthorized. 

XXXX XXXX : XX/XX/year>. 

XXXX  XXXX : XX/XX/year>. 

Please remove these inquiries from my credit report they are not a proper representation of my doings.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Account XXXX XXXX XXXX XXXXXXXX is reporting inaccurate I am also enclosing a copy of report to support my complaint. ... 

Also according to 15 USC 1681 e ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates...

It also states in 15 USC 1681i ( 5 ) Procedures in case of Disputed Accuracy- If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall remove item off consumer report...

I have dispute account several times but ALL 3 bureaus stating false statements saying its not, copy of report is attached to support my statement..
Consumer complaint received 2024-10-12
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: EQUIFAX, INC. (FL)

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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 accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : 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 2023-03-17
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. (TX)

On XX/XX/XXXX, I filed an Experian credit dispute [ Report Number XXXX ] with Aidvantage regarding false and incorrect information on my Experian credit report relating to a 90-day late payment on nine education loans with the agency listed solely in XX/XX/XXXX, despite that according to its own records my loans were on-time and current for XX/XX/XXXX and preceding. [ The same is true for reporting on XXXX and XXXX ]. The dispute and investigation returned back with no changes made to the reporting. 

On XX/XX/XXXX, I spoke with Experian agent XXXX regarding the dispute above report, asserting that a 90-day late payment can not exist immediately following the agencys own reported on-time payment the month prior and that I was seeking remedies to the agencys and XXXX 's failure to correct the issue. To this end, XXXX, in recorded statements, stated the following ( consecutively ) verbatim : XXXX ( XXXX to XXXX ) : I just want to see what other dates where theyre showing anything past due because it doesnt make sense youre right it doesnt make sense that it goes from nothing past due all the way up to 90 days late. So lets redispute it and we can get those facts in. 

XXXX ( XXXX to XXXX ) : It is showing current on XX/XX/XXXX... then it went straight from current to 90 days ... they reported twice in that month... that's strange... they reported on XXXX and they reported on, again, the same month, XXXX that you were 90 days late ... '' XXXX ( XXXX to XXXX : " There's definitely things they need to fix ... and people think that Experian can fix it and we can't, we can only be kind of your in-between person helping you get it disputed... I know it's frustrating but I'm going to go ahead and put that it shows 'on-time and current ' on XX/XX/XXXX ... '' XXXX ( XXXX XXXX XXXX ) : This should not be showing 90 days past due It showed on time and current on XX/XX/XXXX. Then went directly to 90 days late and reported twice on XX/XX/XXXX and XX/XX/XXXX. 

I would go to file a dispute again given Kims claim that she would be providing the additional information, as well as her own accounts based on the information she gathered and perceived on XX/XX/XXXX [ Report Number XXXX ]. However, this dispute, too, would be denied any changes, alterations or explanations. 

See the recording between XXXX and " XXXX '' at Experian. Time stamps refer to audio time locations.
Consumer complaint received 2023-03-17
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. (FL)

These accounts on my credit have been opened fraudulently, I have made a dispute with credit each bureau and notified them of this action and I was told that information. Some have responded that it is accurate and verified which is illegal and false. They have failed to follow proper procedure to check if this account is mines and which it is not so stating that its verified is false and illegal and wrong. 
Ive sent my Driver license, Ftc Report fraud report to each company and also contacted them and told them the issue. If properly investigated this account should be removed off my credit XXXX XXXX XXXX XXXX Account Number : XXXX Fraud XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX open fraudulently XXXX XXXX XXXX XXXX Account Number : XXXX Fraud XXXX XXXX XXXX Account Number : XXXX opened fraudulently not me or mines XXXX XXXX XXXX Account Number : XXXX this is fraud account and not mines XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account number XXXX, this account is an authorize user account that I didnt authorize, it is reporting illegally on my credit without my consent Ive notified Experian of this as well Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2019 I submitted a dispute of an error on my credit report which was for a collection placed by a company called XXXX XXXX XXXX who reported the collection for the original creditor XXXX. I reached out to correspond and request debt validation as I had never received any information from the original creditor or XXXX XXXX XXXX about this debt including any bill or utility usage. XXXX XXXX named XXXX stated that she didnt know why I was getting a collection reported on my credit by XXXX XXXX XXXX because they use XXXX XXXX and not XXXX XXXX. I submitted evidence to XXXX XXXX XXXX, XXXX, Experian, CFPB, and XXXX proving that I moved and that this collection is an error on my report. 

FDCPA and FTC law states : 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt. 

This debt should be removed from credit reports and collection stopped if not validated within the given time frame. 

This debt has never been validated to me after correspondence and I check my mail everyday. The only way I found out about it was through my credit report. My wife is also witness to this bogus debt harassment by XXXX XXXX XXXX. 

XXXX XXXX of XXXX XXXX has put into writing on two separate government regulated websites that this debt that XXXX XXXX is trying to collect on is not shut of with XXXX until XX/XX/2019. It also says it was opened XX/XX/2019 which is false and untrue considering I am paid in full and up to date on my Utility bills. 

Now Experian and other resources I have used as a consumer have failed to properly investigate and remove this error from my credit which is a violation of my FCRA rights!