davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-11
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. (NC)

I spoke with XXXX XXXX XXXX XXXX regarding this credit card. I verified that I never opened up this account. I have investigated this debt with the credit bureau and they did not investigate this properly. I also provided a copy of my identity theft police report.
Consumer complaint received 2019-12-11
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. (MD)

My name is XXXX XXXX, yet Experian report has my name as XXXX XXXX XXXX. I have been trying to get a loan for a house for months but because of the incorrect name in Experian, the banks can not process my loan application. I worked with multiple banks and they came across the same issue. I have called Experian many many many many many times and they gave me hope that it would be changed, however, later they told me that their company policy doesn't allow them to have two letter names as the first name. Their customer service refused to help me many times. My dad was given that name at birth and that's his name in everything. 
We can't change his name and Experian won't help us fix it in their system.
Consumer complaint received 2019-04-29
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. (CA)

one XXXX fraudulent accounts has been reporting under my name with XXXX and transunion, i have disputed and this account was removed from my credit file, but again was placed back under my name, this is a fraud and inaccurate account reporting under my name, i have a police report that i had been victim of ID theft, i will be attaching the paperwork to this complaint, please find attached. 
thank you
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of thaXXXX XXXX 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2019-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NV)

I was approved for a paypal account over a year ago and encourage to use their service consistently which I did. Now as of today they claim I have somehow breached their users agreement outline and have stated that they are holding my funds for the next 180 days without any discussion or reason. I am a completely legal supplement business and veteran owned. How can they hold MY money captive for 6 months with no justification or personal explanation. It is clearly a fraudulent action and is illegal. They have been sued before for this illegal action and they need to be held accountable. 
PayPal is a scam and anything but a businesses " Pal '' XXXX XXXX veterans seems to be a pattern with them.
Consumer complaint received 2019-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America put a hold on a check that I deposit every month. It is a county check. I contacted the bank that the check was drawn on and they said the funds had already been given to Bank of America. Bank of America says they havent and they still will not release the funds.
Consumer complaint received 2019-01-07
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA (NJ)

My daughter XXXX XXXX was in XXXX where she applied for a student loan and she forged my signature as co-signer. When I found out about it I called the lender and told them I never co-signed for the loan. XXXX got on the phone with them and confirmed that I never co-signed for the loan. Then in XX/XX/XXXX I was notified that the loan was in arrears. I called them and said I thought they had deleted my name from the loan after hearing from me and XX/XX/XXXX that I never co-signed for the loan. They told me to get a police report. I did. I sent them the police report. Still they did nothing about it. Now the loan is 2 months in arrears and my credit rating has dropped over 100 points. I want to be removed from this loan. I never signed for it and I notified the company accordingly. The borrower also notified the company. I want justice. I should not be penalized for a loan I never had anything to do with.
Consumer complaint received 2023-08-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (PA)

I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/23 for XXXX XXXX  ( I was going XXXX XXXX XXXX XXXX  on all the medications my XXXX XXXX XXXX XXXX XXXX XXXX had prescribed ). My family doctor called ahead to the XXXX to advise I needed an XXXX XXXX XXXX Upon arrival, I was assessed by a XXXX XXXX ( elapsed time : 3 minutes ) who obviously concurred with my XXXX XXXX XXXX and I was then put on a waiting list. During this 3-minute assessment, I also had my XXXX XXXX XXXX XXXX XXXX 
After over 5 hours of waiting ( XXXX XXXX XXXX XXXX ), I left- without receiving any treatment. The hospital then, in my opinion, fraudulently proceeded to charge my insurance over {$1100.00}. These charges were line-itemized for XXXX  and testing ( total {$190.00} ) and XXXX XXXX XXXX XXXX '' which amounted to an astonishing {$930.00}! {$930.00} to WAIT in the waiting room!! 
I contacted the hospital to dispute this line-item charge and was told that the charge was reviewed by their board. I came to find out that the " board '' was a group of paid hospital employees! Isn't that the legal definition of duress? A 2nd review was performed by an outside agency, again PAID by the HOSPITAL. Obviously this process lacks valid objectivity. The hospital withdrew from communication through the XXXX XXXX XXXX 
XXXX paid their portion of the fraudulent {$930.00} line-item and left me with a balance of {$250.00} which the hospital sent to a debt-collection agency, National Recovery. I told National that the charges are dishonest but they continue to harass me.
Consumer complaint received 2021-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

The following account is not mine from Portfolio Associates LLC. I never signed an agreement with this company. I've asked the company to provide with documentation of any contract with my signature and also send me a license to collect this debt. They could not provide me with the information. I notice on the bottom of the letter it states " The communication is from a debt collector, but not an attempt to collect a debt '. The account number is XXXX, {$2100.00}, XXXX XXXX XXXX XXXX XXXX /Portfolio XXXX, XXXX
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

My mother in law passed away in XX/XX/XXXX. Her only income was Social Security for many years prior to her death.

After her death we started to get statements from a collection agency. I called them twice to advise them of her passing.

I requested that they no longer send me statements. They requested payment from me. Neither my husband nor I are on the account or a co-signer. They requested that I send a certified copy of her death certificate. I advised them there was no estate and that they could verify her passing via XXXX XXXX or the SSA. 

Now we are getting periodic statements 4 YEARS LATER still trying to collect.

This is what they say " Dear ( deceased name ), We know that life happens. ( This line is in a cheerful blue and much larger font ) Every day PRA, LLC works with people to resolve debt. We would love to do the same for YOU. ( YOU bold and capitalized ) Sincerely, PRA, LLC '' Really??? Life certainly happens but so does DEATH.

- I told them 2x she died in XX/XX/XXXX. 
- I requested they remove my address from their system. She never lived with us.

- I told them there was no estate.

Yet here we are again. This is at least the 2nd letter, with the same wording, we have received this year.
Consumer complaint received 2021-08-04
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. (CA)

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). 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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION. 
I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist. 
It has been well over 30 days and i have not received a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accounts be removed immediately
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I have a unverified account on my credit report from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX this account was settled in full with the original creditor XXXX XXXX! Being a long-time customer, I have managed the account responsibly. However during that term I managed to acquire some alleged negative credit items with FICO. Eventually I look forward to the correct status of this inaccurate account and as a result your error has a negative impact on my credit rating. Will you please rescind the unverified collection account with the bureaus to assist this problem.
Consumer complaint received 2018-10-17
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (TN)

If I am under student loan forgiveness why is my credit score and report is showing different Pulled my credit report from XXXX XXXX and it is showing I owe XXXX in loans and I have not graduated or completed my degree. I am having a hard time living in my own skin. I am so exhausted. I also have been a victim of credit reporting and social security number fraud. The credit bureaus all three has been hacked and I numerous phone calls from companies I never heard of. My information has been sold to different companies I am not aware of.
Consumer complaint received 2019-08-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (CA)

XX/XX/XXXX car was repoed from santander. Went on ssdi from injury from work. Santader was informed. But wouldn't change day of my ssdi. Said would not change the date but i paid for a year and a half. Out of my ssdi they. Took the late payments. I paid over XXXX XXXX.  Car was repoed . Santader says i still over XXXX. Because late payments.  Wouldn't work with me due to my injury. Very bad company. Getting threatened calls taking me to court to get remaing balance. Help
Consumer complaint received 2019-08-16
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. (GA)

XXXX  is reporting a fraudulent XXXX XXXX XXXX account on my credit file that was opened on XX/XX/XXXX.XXXX  and Equifax is reporting a fraud account from XXXX XXXX that was opened on XX/XX/XXXXXXXX is incorrectly reporting that my name is XXXX, XXXX, XXXXXXXX is incorrectly reporting addresses of XXXX XXXX XXXX and XXXX XXXX XXXXXXXX and Equifax is reporting a XXXX account on my credit file that don't belong to meAll 3 Credit Agencies are incorrectly reporting that I was late from XXXX to XX/XX/XXXX on my XXXX XXXX XXXX, please remove these inaccurate lates.All 3 Credit Agencies are incorrectly reporting that I was late from XXXX to XX/XX/XXXX on my XXXX XXXX Account, please remove these inaccurate lates.Equifax is reporting incorrect address:Incorrect Address: XXXX XXXX XXXXXXXX is reporting incorrect addresses:Incorrect Addresses: XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2021-04-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (AZ)

To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains a total of numerous late payments reported between XX/XX/2020 to XX/XX/2020 ] for several of my accounts. 
I want you to know that I understand my financial obligations, and if it were not for the Covid 19 Pandemic, I would have an excellent repayment record. From XX/XX/2020 to XX/XX/2020, I experienced a devastating financial blow from Covid 19 affecting my employment of 8 years and ability to afford payments to my credit cards and mortgage temporarily. I did reach out to all my creditors to help accommodate during the pandemic, but I now have realized I was still reported in error and was never helped. Prior to Covid 19 I have never missed a payment on none of my accounts and had a 100 % repayment history. I made a mistake in not keeping an eye on my credit as this is the first time, I have used a credit reporting company, but moving forward, I will treat my credit with the utmost importance and have kept my eyes on every update to prevent any future errors. Since then, I have had a spotless record of on-time payments. 
I am planning to apply for a mortgage, and it has come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for the following accounts. 
US Bank Mortgage = Account closed paid off, Dates reported late= XX/XX/2020 2020
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

On XX/XX/2021 my card was stolen. I dropped it out of my pocket and someone picked it up without my knowledge until later on the next day. On XX/XX/2021 my card was used fraudulently at XXXX XXXX XXXX for a purchase of {$500.00}. I immediately turned off transactions when I realized my card had been stolen. I contacted Chime that day and informed them of what had occurred. They informed me that there was nothing that could be done until the transaction finished pending. I attempted to contact XXXX XXXX XXXX directly but they stated there was nothing they could do. As soon as Wednesday of that same week, the transaction had finished pending and I was able to file a dispute for transaction. I submitted all requested paperwork and information to file the dispute. I was told to wait 10 business days and that's when a decision would be reached about a provisional credit. On XX/XX/2021 I was sent an email stating that there was nothing that could be done and their investigation found no error had been made. After this experience, I will no longer be using Chime as my bank period.
Consumer complaint received 2021-04-28
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. (NY)

I recently pulled my credit reports and found several unknown personal information and addresses. I even have multiple accounts with inaccurate information. Or companies I have never done business with. 
these items listed below need to be removed XXXX XXXX XXXX 2 ACCOUNTS XXXX XXXX  4 ACCOUNTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX WHO I AM IN A SETTLE AGGREMENT WITH FOR XXXX THAT AMOUNT SHOULDN BE XXXX FOR THE CAR. 
THIS IS LISTD ON XXXX XXXX AND EXPERIAN I WAS UNABLE TO GET XXXX
Consumer complaint received 2024-09-06
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. (DE)

Subject : Urgent Assistance Required : Inaccurate Reporting of Paid Mortgage and Collection Account Dear Consumer Financial Protection Bureau, I am reaching out to request your urgent assistance regarding persistent inaccuracies on my consumer credit profile. Specifically, these inaccuracies involve the reporting of my mortgage account by my previous mortgage servicer, XXXX XXXX XXXX, as well as related issues with a collection agency. Despite having paid off the mortgage in full, the balance remains incorrectly reported, and I am facing complications due to erroneous collection account entries. 

I have successfully settled the balance of my mortgage with XXXX XXXX XXXX. However, the account has not been updated to reflect that it is paid in full. Instead, it continues to show an outstanding balance, which is misleading and damaging to my credit profile. Furthermore, the account was erroneously sent to collections, and this collection account has also been reported with inaccuracies. I have provided the credit bureausXXXX XXXXXXXX, and TransUnionwith detailed documentation, including proof of payment and correspondence from XXXX XXXX XXXX, to substantiate these discrepancies. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], credit reporting agencies are required to investigate disputes regarding the accuracy of information on a consumers credit report. The FCRA mandates that if the information can not be verified or is found to be inaccurate, it must be corrected or removed. Additionally, Section 605B [ 15 U.S.C. 1681c-2 ] requires the removal of information that can not be verified within the prescribed timeframe. Given that I have demonstrated the inaccuracies and provided evidence of the paid mortgage balance, these inaccuracies should be addressed accordingly. 

Despite my efforts to resolve these issues directly with the credit bureaus and the involved collection agency, the inaccuracies persist, adversely affecting my credit profile. I respectfully request the XXXX XXXX XXXX XXXX intervention to ensure that these errors are corrected in compliance with the FCRA and that my credit report accurately reflects the true status of my accounts. Your prompt assistance in rectifying these matters would be greatly appreciated. 

Thank you for your attention to this critical issue. Please let me know if you require any additional information or documentation to facilitate the resolution of this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, DE XXXX XXXX XXXX
Consumer complaint received 2019-08-16
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)

My XXXX bill was due XX/XX/XXXX; I paid XX/XX/XXXXXX/XX/XXXX - 17 days late. They reported me to credit bureaus as being 30 days late. I sent them a message XX/XX/XXXX but received no resolution. I disputed with Transunion, and XXXX/XXXX reiterated the 30-day late payment. I also find I was charged XXXX credit insurance on my account which I never signed up for.