davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

I am writing to urgently request your assistance in removing fraudulent items from my credit report. Despite XXXX previous attempts to rectify these issues directly with the credit bureaus and creditors, the fraudulent items remain uncorrected and continue to damage my creditworthiness. This letter marks my multiple attempt to resolve these issues, and I am in desperate need of your intervention. The continued presence of these fraudulent items on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), which entitles me to dispute and correct inaccurate information. Please help me conduct a thorough investigation into this matter and facilitate the immediate removal of the fraudulent items from my credit report. I request written confirmation once the corrections have been made. Kindly help me remove the following items immediately : XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$6900.00} ; XXXX CARD XXXX Balance : {$22000.00} ; XXXX CARD XXXX Balance : {$20000.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$75.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: NCB Management Services Inc. (LA)

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 2024-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

I have been on IDR SAVE with payment of {$10.00} a month. I submitted the direct consolidation form through studentaid.gov, along with that I also submitted an IDR application on XXXX. My calculated new payment was estimated to be ~ {$200.00} a month. The date both forms were submitted was XX/XX/XXXX. Mohela claims they received the direct consolidation application but did not receive the IDR application ( they were both submitted at the same time on XXXX ). XXXX website confirms that the IDR was submitted XX/XX/XXXX. Now Mohela had me submit another IDR form, which I did. But now they are saying it will take 90 days to process and that form. In the meantime, I have received a bill of ~ {$1700.00} on the standard payment plan. Mohela states that I need to request a processing forbearance which, per them, can not be guaranteed to count towards PSLF.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

During the last few months, I have disputed data regarding my personal information, including my name and residential address, with the credit bureaus. The incorrect information has been continuously reported on my credit history for several months, so my alternative is to send this complaint as a way to take action regarding this matter.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute the following information that appears on my report from XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$7800.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Collection account from XXXX XXXX XXXX XXXX with account XXXX XXXXXXXX and a balance of {$3000.00}. The original creditor is XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX XXXX XXXX XXXX with account XXXX XXXX  and a balance of {$4400.00}. The original creditor is XXXX XXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX XXXX XXXX XXXX with account XXXX XXXXXXXX and a balance of {$2600.00}. The original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally signed and sent this letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

Dear Sir or Madam : I spoke with XXXX XXXX today and he denies that the {$26000.00} balance has been paid to his bank account. Please provide proof of your assertion that he was thusly paid by Pay Pal. 


Thank You, XXXX XXXX From : PayPal Customer Support Print Payment on hold or pending XX/XX/XXXX at XXXX XXXX Dear XXXX XXXX, Thanks for contacting PayPal my name is XXXX and I will be glad to assist you today. 

I am really sorry for the inconvenience the issue has caused. 

Upon checking your account I can see there is no such transaction received to this account. However as I can see on the email you shared - XXXX, the funds were withdrawan to his bank account and it was completed and not transferred to you. 

So kindly I request you to please contact them and check with them. 

Thank you for contacting PayPal and for being a valued customer. 

Sincerely, XXXX PayPal Account specialist Copyright XXXX PayPal. All rights reserves XXXX XXXX From : XXXX To : XXXX XXXX Sun, XX/XX/XXXX at XXXXXXXX XXXX Dear Sir or Madam : My name is XXXX XXXX ( XXXX ), and my PayPal account is now on hold. I have been assisting XXXX XXXX ( XXXX ) for many months, and during that time he has accrued a {$26000.00} balance of my money on hold in his PayPal account. We were told by PayPal customer service that we needed to make a three-way telephone call, from the same location, to remove the hold and return the funds to me. Unfortunately, he has been unable to visit me to make such a call. With the limitation of both his account and mine on XX/XX/XXXX, he phoned PayPal customer service to ask about the balance on hold. He was told that {$26000.00} had been transferred to my account. As of now the balance of my account remains {$0.00}. 

At your earliest convenience, please advise me when the funds will be returned to me. 


Thank You, XXXX XXXX
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im shocked and frustrated to find erroneous accounts on my credit report this morning. This discrepancy came out of nowhere, and despite refreshing my browser, the inaccuracies are still there. I need the documents I submitted to be thoroughly checked so that I can finally feel secure and stop worrying about this issue.
Consumer complaint received 2024-08-16
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. (TX)

SECOND COMPLAINT******I was the victim of identity theft by a former roommate, XXXX XXXX XXXX XXXX The account with XXXX  XXXX XXXX XXXX XXXX was opened fraudulently without my permission or knowledge. XXXX used my identity and had the initial card mailed to my home, which he retrieved without my knowledge, used the account, and made payment for a time without my consent or knowledge. I have completed ( attached ) an ID Theft Affidavit with the FTC. I have also included copies of my government-issued ID and a recent utility bill for address and identity authentication. 

XXXX  XXXX XXXX is now reporting that the account is " PAID IN FULL '' TThis is not accurate because I have NEVER paid anything to this tradeline, I HAVE NOT PAID THE ACCOUNT IN FULL. This inaccurate information.
Consumer complaint received 2024-08-17
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. (GA)

I previously just filed a police report # XXXX with the XXXX police stay about these fraudulent accounts please investigate and delete these unknown inaccuracies XXXX XXXX  # XXXX {$4700.00} XXXX XXXX # XXXX {$5000.00} XXXX XXXX # XXXX {$19000.00}
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (GA)

This is the second attempt to remove inaccurate information that You have prepared inaccurate and incomplete consumer reports concerning me and published said reports to third parties in violation of the Fair Credit Reporting Act ( FCRA ). Unfortunately, your unlawful conduct has caused me a lot of stress and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. 

The following tradeline that you prepared and published about me is inaccurate and incomplete : DPT EDXXXX XXXXXXXX  Account number XXXX
Consumer complaint received 2024-07-09
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. (NJ)

I always check my credit report during mornings and I notice that unauthorized inquiries are appearing. I don't know why they're appearing but please do remove and block them. Please check the documents I've sent regarding this matter.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I retain a copy of my credit report from my free annual credit report and I seen an account on it that wasnt mine I was in the process of buying a home for me and my family its causing me great stress because I cant obtain a home for me and my family
Consumer complaint received 2024-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Its incredibly disheartening to see unauthorized inquiries suddenly showing up on my credit report tonight without any explanation. Despite checking and refreshing my browser, these discrepancies persist. I am profoundly frustrated by this situation and insist that my documents be examined with the utmost urgency so that I can have peace of mind.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Number : XXXX # XXXX - BALANCE {$170.00} Account Number : XXXX XXXX # XXXX Account Number : XXXX XXXX XXXX # XXXX Account Number : XXXX # XXXX Account Number : XXXX # XXXX Account Number : XXXX XXXX # XXXX - BALANCE {$630.00} Unauthorized Inquiries XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> 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>
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting ACT the following banks have violated my rights and reported inaccurate late payments : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX IDAHO XXXX XXXX : ACCOUNT # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-08-17
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. (GA)

I was incredibly disappointed to see inaccurate accounts listed on my credit report today. This is completely unexpected, as I check it routinely and have never had this issue before. I tried refreshing my browser to see if it was a temporary glitch, but the errors stayed put. Im hoping for a detailed review of the documents Ive provided to resolve this problem and relieve my stress.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I am writing to formally dispute the inaccuracies on my credit report regarding the account with XXXX. Despite my consistent efforts to resolve this issue since XX/XX/year>, I have not seen any progress. 

The account in question currently shows XXXX late payments. However, I have never missed a payment on this account. In the past, this account was updated to reflect all payments as on-time, but it was later changed back to show late payments, which is inaccurate. 

I kindly request an immediate review and correction of this account. The ongoing misreporting and inconsistent updates appear discriminatory and unjust, negatively impacting my credit profile. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution.
Consumer complaint received 2024-08-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company (FL)

I called the mortgage company to ask about my hardship application. I wanted to know if it would affect my credit. I was told that it wouldn't the representative seemed uncertain and contacted the department that reported to the agencies. She came be on the phone after a few minutes and told me as long as I made my agreed payments on the forbearance it would not affect my credit. Now I see on my credit report it is showing 60 days delinquent. What is the purpose of forbearance if you are going to ruin our credit anyway. I expect someone that works at the mortgage company to know the answer this really changed my life and now I am worst off than I was when I applied for the forbearance.
Consumer complaint received 2024-08-15
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: Experian Information Solutions Inc. (FL)

I review my credit report and found this inquiry from XXXX XXXX and this is not made by me, inquiry date XX/XX/scrub>XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Prosper Marketplace, Inc. (FL)

This company continues to assert they provided email responses to me a they have not. My email is XXXX. I have attached my countless emails to them and there are zero responses from them. I also reached out to USPS and they assert no paper statements have been scanned or delivered to the address they have on file. They do not provide any proof of conversations because they dont have any. This company is the most disgusting companies to ever do business in the United States. In the attachments you will see communication from my end and zero from them. They continue to attach an idiotic policy for mailing payments and I have mailed over {$1000.00} and only {$200.00} have been applied to my account. I receive zero payment confirmations and when I call in to try and resolve this I get an endless ringing with no answer or the person who does answer puts me on hold and it disconnects. The company responds to these complaints with no proof. I provide actual proof and they dont ask why statements are not being delivered to the address they just assert they have been mailed when the company who actually mails them shows a case open for undelivered mail and zero scans in on their part until XX/XX/year>. Literally zero statements until that date. I need this account settled so I can move forward with a discrimination, fcra and financial crimes lawsuit against them.
Consumer complaint received 2024-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Works & Lentz of Tulsa, Inc. (OK)

I had XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Ok, I didn't have insurance at the time, so I was unable to pay the bill and it was sold to Works and Lentz. I was never notified about it till I tried going to XXXX XXXX XXXX XXXX and was told by Works and Lentz I couldn't be seen by XXXX XXXX till the debt was paid, so I set up payment plans of {$75.00} a month starting in XX/XX/XXXX and have been paying on it since, which I have paid over {$10000.00} and I feel it's been well paid off. I was just wondering if there is anything i can do about it, I didn't make XXXX 's payment because I was told there might be something I could do to resolve this debt. I filed XXXX  in XXXX and I think I claimed it.
Consumer complaint received 2024-08-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

I received a {$500.00} Amex gift card from my company. I was able to use in-store and the remainder I wanted to use online. I have tried multiple times at four different online sites to use and it has been declined every time. After doing online research I have learned this is a problem that many people have. I have learned that some people have even had them declined in-store. These cards are not able to be used the way they are advertised. I would like to use this card online as the card states I can. The specific product I want can only be purchased online at a specific store. I am very frustrated with this experience and would like full use of this card.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bepensa Capital, Inc. (LA)

Account name : FINBE USA/ AFS Accpetancce Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : TXXXX XXXX Account # XXXX It needs to be deleted for inaccurate credit reporting. FINBE USA IS showing up different names on XXXX and not showing on XXXX. I have no acknowledgment of these accounts. I did not open up these accounts. In accordance to the fair credit and reporting act this creditors has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Also 15 U.S. Code 1692c If a consumer notifies a debt collector that the consumer refuses to pay the debt.. the debt collector must cease all communication.. please help me get these accounts removed from my credit.