davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-07-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/23, I submitted disputes to the credit bureaus for an account appearing on my credit report, XXXX XXXX XXXX. I never received a response back so I went to the company directly and mailed them a letter on XX/XX/23. Still no response. Then I filed a complaint with the CFPB bureau, the company finally responded and said they mailed a letter on XX/XX/23. I believe this is a lie, because today is XX/XX/23 and the mail does not take 30 days. All I requested was simple validation/verification of the debt, any information at all, and the company also stated in their response to my complaint on the CFPB website that they could not provide me with any documentation, but that I had to go to a local branch. MAJOR RED FLAG. As I continued to wait on the mail they said they sent, I went over the letter again they posted in the CFPB website. The letter was photoshopped and it is so easy to see. My name, account number, and DATE, were photoshopped on a letter, I guess to make it look like they actually processed my letter to them. They continue to report information on my credit report, yet are unable to send me any information and are doctoring letters to make it look like they received my letters and responded to them. I have yet receive anything from TransUnion, XXXX, or XXXX about this account, and my credit report does not say that this account is in dispute either.
Consumer complaint received 2023-07-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (MO)

I am requesting TMX return my car title they are in violation of MLA act ; they pose claim that I deem as heresy re : they step they have taken to verify they have performed such verifications and have not provided proof of any of their statement to no wrongdoing. I am submitting my original contract, which they have not provided in dispute of my claim that the following does not exists as this statement does not appear on my original loan documentation. : k. I AM NOT a regular or XXXX XXXX  of the XXXX, XXXX, XXXX XXXX, XXXX XXXX, or XXXX XXXX, serving on a XXXX XXXX under a call or order that does not specify a period of 30 days or fewer ( or a dependent of such a l. member ). 

They continue to reiterate that they have performed a thorough investigation without proof or not one piece of supporting documentation, I am requesting proof that at the inception of this loan as they stated " An automated or manual check of the MLA or SCRA website is required by the Company before any credit application can be completed and before any request to refinance an existing loan/pawn may be processed. Onboarding identifies covered borrowers through an automatic ping to the Department of Defense 's MLA database. '' I am requesting the proof that they ran my information through a automated/manual check of the MLA SCRA website before they approved my credit application.
Consumer complaint received 2023-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

Hi PayPa Team, My PayPal account can not be linked to new bank and withdraw money, please help me! 
I have called the customer service representative many times, but the problem has not been solved, please help me, thank you
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX, Account name : 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 supposed to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to pri
vacy.

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 2023-07-02
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. (IL)

I am a victim of aggravated identity theft, On XX/XX/2022 I have submitted the supporting documentation that the credit Bureaus asked of me certified mail the account was then removed then Re-Inserted without properly notification. Since then I've been constantly disputing this account and going back and forth with the creditor as well and still remains after asking for and not receiving verifiable proof with my signature on it.
Consumer complaint received 2023-07-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Not only violated my right also reporting two different things when they getting information from same creditor some accounts says open and close with same creditor so which is it open or close? 

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 2023-07-02
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account 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
Consumer complaint received 2023-07-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/23 I submitted a letter to receive validation of a debt for Equifax for an account on my report under XXXX XXXX XXXX. Not only have I not received a response back from them, they also never updated the account to " In Dispute ''.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-07-02
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. (SC)

In accordance with the Fair Credit Reporting act ; XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX US Dept Of Education # XXXX Has violated my rights.

15 U.S.C 1681 section 602 A states I have rights 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.
Consumer complaint received 2023-07-02
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. (TX)

this account XXXX  XXXX XXXX XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of XXXX XXXX. This Account is is Inaccurate And Has To Be Removed
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

N accordance with Fair Credit Reporting Act XXXX account XXXX XXXX XXXX XXXX, has violated my right 15 U.S.C 1681 scetion 602 A. States I have the right to privacy.

15 U.S.C 1681 scetion 604 A. Scetion 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CT)

There was an extended fraud alert on my Experian report and my credit report was still about to get pulled without a phone call. XXXX pulled my report three times without speaking with me. XXXX also was able to get a hold of my credit report I have a hard inquiry on there.
Consumer complaint received 2023-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

On XXXX XXXX cfpb resolved my complaint which involves and includes National Credit Adjusters. On XXXX XXXX reported it as accurate and is upholding the status. I've disputed this before with XXXX and NCA failed to provide proof of this debt and XXXX was made aware of this because i called and complained about it due to it was still being reported. NCA failed to provide any proof within the allowed time frame which according to USC 1681 A Sec 2 they must provide proof of the debt within 15 days. NCA failed to do that and the debt should have been removed from my consumer report and it wasn't. This was the reason the new complaint was opened. CFPB closed this complaint with a removed/deleted status. However, XXXX came back a few days later with a valid and remains status. NCA adjusters is also reporting this collection with a balance which is also illegal due to you can not report a collection with a balance and requires it to be removed. XXXX is not following any of these protocols. I would like XXXX as well as NCA adjusters to remove this from my consumer report and to not report this on my consumer report again. At this point they are violating my consumer rights.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (CO)

In XXXX of XXXX  a delinquent/late payment was reported to the credit bureaus. I had made a payment plan with OneMain Financial prior to that and had followed it accordingly. When they reported my payment late, I called and spoke to the general XXXX XXXX XXXX ( he was also the one who helped me set up the payment plan ). He admitted it was a mistake on their end and it should have never been reported. I asked him to resolve it and he was very flighty, it took me 4 times of asking him until he said he would need to submit something to the credit department but it would take a long time. I said that was fine. Since he kept complaining about it I asked for the credit departments contact information and he said they dont give it out to customers and only he can do it. After 2 months I reached out to XXXX because it was still on my credit report and he said oh I assumed they fixed it because I didnt hear anything and said nothing else can be done. So I filed a claim with each bureau explaining this and all were denied except XXXX. I resubmitted and they were still denied. OneMain said they couldnt do anything about it even though I reminded them they admitted it was their mistake. I asked for a Corporate phone number and they said they didnt have one. I then began working with a credit repair agency and they said this sounded shady, and have been working on removing this from my credit report at the other XXXX bureaus but they have been unsuccessful. So it is still on my credit report even though OneMain admitted it was their mistake. 
Aside from this major issue, XXXX has been EXTREMELY rude and insulting in every interaction I have ever had with him. They have also called over XXXX times in XXXX day for days on end. I have just paid off this entire loan so my account is closed with them but I am still not okay with their shady business practices.
Consumer complaint received 2023-07-03
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. (TN)

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX Is reported improperly
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below : - XXXX/Dept of Ed - XXXX - XXXX/Dept of Ed - XXXX I demand the accounts be verified or removed immediately.
Consumer complaint received 2023-04-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

CLAIM ID - XXXX REQUEST - TO REOPEN AND REDO INVESTIGATION OF CLAIM ID Client Name - XXXX XXXX XXXX of Birth - XX/XX/ Address on file - XXXX XXXX XXXX XXXX, XXXX XXXX, New Jersey XXXX Address referenced on the police report - XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date - XX/XX/ TO - BANK OF AMERICA CLAIMS AND RESOLUTIONS ASSOCIATE REQUEST - TO REOPEN AND REDO INVESTIGATION OF CLAIM ID CLAIM ID - XXXX CLAIM AMOUNT - {$4400.00} REASONING FOR REINVESTIGATION - REASONING FOR REDOING THE CLAIM REASON - CLAIM NEEDS TO BE RESEARCHED. THE ATTORNEY AND THE NEW JERSEY COMMISSIONER 'S OFFICE OF BANKING WILL PULL AND SUE IF UNREASONABLE. PROVISIONAL CREDIT NEEDS TO BE APPLIED DURING RESEARCH NYPD POLICE REPORT PROVES THAT BOTH AIRLINE PASSENGERS AT TSA CHECK WITNESSED, XXXX XXXX ITEM STOLEN. PERSONAL ITEMS INCLUDE- AN XXXX, WALLET WITH BANK OF AMERICA DEBIT CARD, AND XXXX XXXX. 
THE NYPD POLICE REPORT PROVIDED TSA SECURITY FOOTAGE LATER PROVED THAT INDEED, XXXX XXXX VITAL DOCUMENTS INCLUDING THE BANK OF AMERICA DEBIT CARD INSIDE HIS WALLET WERE STOLEN AND USED. 
XXXX XXXX, WAS IN XXXX FROM XX/XX/ TO XX/XX/, SO ANY TO ALL NOTIFICATIONS FROM BANK OF AMERICA WERE NOT RECEIVED BECAUSE HE WAS IN XXXX. 
THE NEGATIVE HISTORY BANK OF AMERICA INC. HAS WITH ITS CLIENTS, AS REPORTED BY SEVERAL NEWS COMPANIES. AND SUCH THE MILLIONS OF FINES BANK OF AMERICA INC. HAD TO PAY. 
THOUSANDS OF REAL REVIEWS FROM Bank of America CLIENTS IN WHICH THEY STATED THE FRAUD DETECTION SERVICE PROVIDED IS INADEQUATE AND DOWNRIGHT BAD.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Agency of Credit Control (CO)

During the FEDERAL MORATORIUM ON EVICTIONS I was leasing a house from XXXX XXXX XXXX XXXX. I am also a XXXX XXXX. My merchant processor and bank froze our accounts at the same time, and 7 days later XXXX XXXX XXXX XXXX taped an eviction letter with bright orange duct tape across my garage door. I tried contacting XXXX and explaining to him what was going on, and he was not hearing it. He sent the police to evict me out of the house during the Federal Moratorium On Evictions. He then proceeded to sue me and due to covid, I was not able to make it to the court hearing and received a judgement in the amount of {$4000.00} which is now affecting my credit report. They have additionally tried to seize my assets through my bank account once. I would like this removed from my credit report as well as information on suing this company for violating the Federal Moratorium on Evictions signed the President of the United States. I ended up living in my car for XXXX weeks due to this, and then came up with enough money to rent an XXXX XXXX for 3 months while saving more and the owner of that XXXX XXXX  leased me an apartment. But his company left me on the street during the hardest time of my life. Please provide information & help me remove this from my credit report, and make this company pay for the damages caused.
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (VA)

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 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 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.