davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

I have been a paypal account holder since XXXX. In XXXX, my paypal account was deactivated ( without explanation ), locking me out of my account. 

I have repeatedly to access my account, contact paypal, and have my account unlocked and have since received funds into the account for which paypal will not let me access. 

After more than 10 calls, I was finally transferred to an external party which noted I had 'collections ' on my account in the amount of ~ {$60.00}. The individual at the debt collection firm spent almost 45 minutes on the phone with me trying to understand what my collection was for. I was supposed to be provided evidence of the case, and more than one year later, have still not received any information from the debt collection agency, from paypal, or from any other source. 

I am a XXXX XXXX XXXX and have no clue 1 ) why my account was suspended, 2 ) why it has been on placed for collections, and 3 ) what is being done about the situation. I provided all needed information and requested clarity on why my account was locked and what this was for. 

Unfortunately, more than a year later, paypal will not speak to me, and transfers me ( continually ) to  an outside debt collection agency for charges I have yet to have seen, while simultaneously locking me out of my account with no explanation. 

I have no clue what charges are being referenced and have a perfect FICO score. I can no longer tolerate paypal to lock me out of my financial account with 1 ) no comment on why my account was locked, 2 ) use of a debt collection agency which can not confirm on charges posted, and 3 ) prohibit access to my account and funds. 

I need to access to my account, the funds held within the account, and interest on those funds that have been inaccessible for more than a year.
Consumer complaint received 2020-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

My name is XXXX XXXX, I have several accounts with USAA. One account is a joint account with my wife and my XXXX year old daughter, XXXX. On XX/XX/XXXX my daughter had less than {$4.00} in her account. Someone gained access to her account login information and password. The made a deposit from home with a {$1500.00} fake check and made a scribble for the signature. That day my wife, XXXX, checked the accounts and noticed fraudulent activity. The hackers tried to purchase two {$500.00} gift cards, the bank held {$500.00}. USAA denied the two {$500.00} charges, as well as about 10 smaller withdrawals. XXXX called USAA and notified them that there was suspicious activity and that the account needed to be frozen. On XX/XX/XXXX USAA paid out a {$1000.00} purchase for a gift card. We filed a fraud report, within a week we got a call saying that it wasn't a fraud. We spoke with another supervisory rep they looked and said it sure looked like fraud and reopened the claim. Yesterday we got a call saying that USAA confirmed that someone said that they authorized the charges, but were not sure if it was my daughter or the hacker. USAA is trying to say that because someone had access to my daughter 's account, then we will be liable for the fraudulent charges. They even stated that they realize that it looks like fraudulent charges, but that they will still make us pay the stolen money.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Upon reviewing my credit file I noticed a derogatory mark stating that I was pass due on an account from XXXX with a XXXX balance. I send all three bureaus validation of debt letters along with a request for a method of varication. They sent me a letter stating the account was verified as reporting accurately. I contacted the original creditor and was told that my balance was XXXX balance. I also noticed that all 3 bureaus were reporting 3 different open and close dates. According to the original creditor the open date was XX/XX/2015 notXXXX2015 per XXXX  and not XX/XX/2015 per XXXX and Equifax. If they actually completed a through investigation then why is the reporting information different from the information the original creditor has provided me. Due to the apparent neglect of my credit file. I would like this account completely removed from my file immediately. This is a major violation of the FCRA.
Consumer complaint received 2024-10-21
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. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-13
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. (AZ)

XXXX  and Transunion are reporting incorrectly that I am an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

Equifax has obtained inaccurate information from a third party vendor called XXXX. The information that XXXX sold to Equifax was totally incorrect. XXXX realized their mistake and deleted this information. I have sent Equifax a certified letter asking them to remove these dismissed Bankruptcies because XXXX has determined that the information they obtained was wrong. I have yet to hear from Equifax. Enclosed is the proof of my letter, proof that XXXX removed the incorrect information and proof that XXXX is in fact the third party vendor that supplied this false information to Equifax.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2020-05-18
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. (NY)

To Whom It May Concern, I was looking at my credit report. I noticed a few inaccurate information on my credit report on XX/XX/XXXX. The following inquiries I believe to be fraud as I never authorized them to run my credit or gave anyone permission to run my credit. I have no accounts with these people. XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Again I never signed anything with these companies and would just like this removed so my credit is accurate. I also have a XXXX XXXX account that I was late once on XX/XX/XXXX. The customer service rep said they would remove it back in XX/XX/XXXX as a common courtesy but from looking at my score it appears was never removed. I also have another late fee from XXXX XXXX back In XX/XX/XXXX and they also they said they would remove it since I've since always paid on time. The reason I was late with those cards was because while working for fed ex at the time I had got injured on the job.
Consumer complaint received 2020-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

My mortgage got transferred to loancare- have emailed, called and emailed again trying to set up a biweekly payment which was initiated with the previous servicer XXXX, they dont email, dont call and closed my inquiry via email without an option to reply to the message - they are deplorable and wish we had the right to choose servicers
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the deletion of inaccurate information on my Experian credit report concerning XXXX XXXX XXXX account XXXX. This account has already been deleted from my XXXX credit report and should therefore also be removed from my Experian report.

According to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Additionally, under 15 U.S.C. 1681i ( a ), consumers have the right to dispute inaccuracies on their credit reports, and the credit bureau must reinvestigate the accuracy of the disputed information. 
The presence of this XXXX XXXX account on my Experian report is a clear discrepancy, as it has already been verified and deleted from my XXXX report. I have attached a copy of my XXXX credit report reflecting this deletion for your reference. 
Please take immediate action to delete this inaccurate information from my Experian credit report. I expect confirmation of the deletion within the legally mandated time frame.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

1. Consumer covered veteran ; Experian XXXX, Experian Solutions, Experian XXXX XXXX  ( hereafter Experian ) is a business entity that regularly conducts business in the State of Ohio and XXXX XXXX California. 

2. CRA engaged in pattern of practice of Mixing Consumers Credit Report and Reporting False Accounts violated Fair Credit Reporting Act ( hereinafter the FCRA ), 15 U.S.C. XXXX, et seq for {$150000.00}. 

3. Experian acquired XXXX XXXX who admitted to selling, aggregated, repackaged and distributed consumer information since acquisition in 2011. Acting furtherance in bodily harm to consumer Experian continuance in reporting to potential employers, other entities and credit grantors ; the fraudulent account. 

4.Despite consumer communications both oral and legal, Experian has nonetheless deliberately, willfully, intentionally, recklessly and negligently repeatedly failed to perform reasonable reinvestigations of the above disputes as required by the FCRA ; ( 1 ) failure to remove the inaccurate information timely and ( 2 )  disclose the results of its reinvestigations in writing to the consumer. 

5. Experian has repeatedly published and disseminated consumer reports to bankers, potential employers from at least XX/XX/2011 through the present reasonably believe the information was true but knowingly false. 
6.Experian continuance in false or inaccurate credit reporting of consumer information negatively reflected upon began since 2011 to date that do not belong to consumer ; resulted from or due to Experian faulty procedures, that mixed the credit files of consumer and that of another consumer with respect to the inaccurate information and other personal identifying information. 
7. At all times pertinent hereto, Experians successors conduct, was acting by and through its agents, servants and/or employees who were acting within the course and scope of their agency or employment, policies, practices, rules, regulations and under the direct supervision and control of the ( CRA ) board members and General Counsel herein 8. At all times pertinent hereto, the conduct of Experian and agents, servants and/or employees, was malicious, intentional, willful, reckless and shown gross negligent disregard for federal and state laws and consumer protected rights to date.
Consumer complaint received 2024-10-20
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. (FL)

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I am writing to express my concern regarding the security of my personal information. There have been repeated instances of information appearing on my report that do not belong to me. I have identified specific instances of misreported information that require a thorough investigation, information that has been mistakenly linked with my report, but it pertains to an account belonging to someone else.
Consumer complaint received 2024-11-15
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. (CA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/year> - {$00.00}
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I, XXXX XXXX, have reviewed my consumer reports and noticed theres inaccurate information on my credit report.. ( Original Creditor : XXXX XXXX XXXX XXXX Collection Agency : XXXX XXXX XXXX Account # XXXX Consumer reporting agencies have assumed a role and responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. I have contacted ( Original Creditor : XXXX XXXX ) ( Collection Agency : XXXX XXXX ) Account # XXXX and asked for them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and have requested the original application bearing my signature. Such proof clearly hasnt been provided. This is a violation of the FCRA. This disputed item should not appear on my consumer report. ( I have provided a preponderance of evidence that the account does not belong to me and is a direct result of identity theft. )
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In proper use of my information per Privacy act 5UCS XXXX XXXX Acct # ending in XXXX {$3800.00} Acct # ending in XXXX {$3400.00}
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX # XXXX****was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validation 807 ( 1 ) XXXX XXXX  Validations of date andMini-Mirandi under Section807 ( 1 ) XXXX XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX  is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX  has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately. I have a address on my credit report that does not belong to me please delete the following addresses XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I try to get the refinance my property so, my banker can not pull out the credit report. which they ( Banker said Disputed ) I try to fix up those problems so many days. by calling, and Internet complain too But I couldn't do any things to solve the problems That's why I report today for solve the problems.
Consumer complaint received 2024-11-15
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. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$160.00} INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (CA)

I was in a motor vehicle accident. The other vehicle ran a red light t-boned me and destroyed my vehicle. I was transported to the emergency at XXXX regional by ambulance when I arrived the insurance girl started that the person who was at fault would cover the visit so she wouldn't need my personal medical insurance card ( which I tried giving her by the way ). She said motor vehicle accidents would be covered by the auto insurances in the law suit which is still open. The collection agency contacted me at a later date stating that I owed the amount for the ER visit and I explained to them what happen and gave them my lawyers number and name. Never heard back from anyone next thing I noticed I was in collections for the amount of the Er bill.
Consumer complaint received 2020-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (TX)

Planet Home lending will not allow me to pay online because we were granted forebearance and they blocked this feature. We would like to keep current as we receive some rents, however after an hour on the phone with Planet Home Lending, we can not make a payment. WHY ARE PAYMENTS BEING BLOCKED ONLINE? 

Also, they refuse to authorize me, despite my husband sending in the signed authorization 3 times. We have proof of this. Now they say the signature doesnt match, they never advised us if this over the last 6 months we have been sending the authorization in, despite having my husband on the phone today telling them it is his signature. He is working and now has to deal with this because of their mismanagement. Why didnt they let him know his authorization form was denied? No communication. Terrible company, terrible servicing, very incompetent. 

The forebearance department transferred me to the payment department, and the payment department said they can not take the payment and want to transfer me back to the forebearance department. 
IT HAD BEEN 60 MINUTES MOSTLY ON HOLD AND I STILL CANT MAKE A PAYMENT. 
Loan XXXX
Consumer complaint received 2024-11-15
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. (TX)

In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( 5 ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( g ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account be removed
Consumer complaint received 2024-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 2020-05-13
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 (IL)

I got an email from XXXX XXXX stating that I had a new Hard Inquiry from SYNCB National Credit Cards / Airlines and that if I wanted to dispute it the best way was to submit a complaint through you  guys. I did not authorize this Hard Inquiry and do not know who SYNC B is. I have not applied for any forms of credit or authorized anyone to run my credit recently. I looked up the company online and have seen numerous other complaints about a " Fake company '' Called SYNCB national credit cards / airlines appearing on other peoples XXXX XXXX accounts as hard inquiries, so I am going through you. Any help would be greatly appreciated.