davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

The company ( National Credit Systems ) is reporting a balance owed that I've disputed now a couple of times with them. The original creditor ( XXXX XXXX ) did not send me a list of proposed deductions within XXXX days of me moving out as required by law in Georgia, XXXX per the lease under # XXXX of the agreement. After receiving this list, I should have had the opportunity ( until the XXXX day ) to come back and remediate the damages if so chosen to do so. I did receive a move out statement 4 days after vacating and then several additional times after that. They continued to send me the same final moveout statement and did not show any damages for carpet repair or replacement. Roughly about XXXX weeks later, they sent me another statement saying they needed to replace the carpets due to stains they could not clean. I lived in that unit for 7 months and did not allow walking in the unit with shoes, there were no pets, and my family and myself only ever ate in the kitchen. Upon receiving these claims, I asked them to send me photos of the carpets ( all XXXX bedrooms ), which she was not able to provide. The rep eventually stopped responding to me and there never was a resolution. I have since tried to dispute this with their representing agent ( National Credit systems ) to no avail. XXXX XXXX has since gone out of business and National Credit Systems refuse to give me any contact information for the individual who they spoke to when handling my dispute. I am in the process of filing a complaint with National Credit Systems as well for violating my privacy rights. I am totally fine with paying my true balance of roughly XXXX, but I am not ok paying the additional XXXX. This has significantly affected my credit rating as well as my ability to obtain housing. During the months there, I had no issues with them and my rent was consistently paid on time. A satisfactory result for me would be for them to allow me to settle based off of the XXXX amount originally stated that I owed. I have since dealt with aggressive conduct from their agent XXXX XXXX, ( I can provide full name later ) who has hung up on me ( phone call on XX/XX/XXXX at XXXX pm ), violated my fcra privacy rights on XXXX by answering the call asking me for my name then immediately beginning to discuss my account with me before verifying my information ( account #, last XXXX of XXXX, address, telephone number, email for verification purposes per their company policy ) or stating their disclosure of being a debt collector. Dealing with this company has been a nightmare, please help. I have more documents I can provide as proof including XXXX changing my balance to XXXX through their dispute process which resulted on XX/XX/XXXX- via report number xxxxxxxxxx
Consumer complaint received 2024-07-08
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. (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.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 Bank XXXX XXXX, XXXX XXXX XXXXXXXX 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. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-08
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. (NV)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2023-03-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

This is a copy and paste partially from a previous complained. I have called more than 4 times since XXXX as I have yet to get credit in my mortgage acct for {$30000.00} I paid since XX/XX/XXXX. XXXX XXXX dollars! Surely I thought If I can get a pay off statement at least it would show. But I stead of showing I owe approx XXXX $ on my home loan it still shows over {$62000.00}. I have been told numerous times it takes 7 business days to apply credit. We are now at XX/XX/XXXX. No credit showing. Where is my money and the HAF funds that have been submitted by Florida???? 
XX/XX/XXXX since the last complained there were some adjustments made and then just of a sudden reversals done. I still do not see any further HAF payments. DEO/HAF states they have sent over {$13000.00} in total since XXXX, XXXX. 
I made another regular monthly payment XX/XX/XXXX this one was also reversed. Why???!!!!! Now my payoff shows more than XXXX $ on the account. I have reached out numerous times via phone and email to the company. I have asked for escalations and keep getting told no managers available. I need to be patient. I have been getting the run around since XXXX with substantial funds not applied. What else do I need to do??? 
XXXX XXXX {$1900.00} check # XXXX XXXX XXXX Check # XXXX by phone {$9900.00} conf # XXXX XXXX XXXX  acct. 
check # XXXX by phone conf # XXXX {$19000.00} Check # XXXX {$10000.00} principal XXXX
Consumer complaint received 2024-07-08
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 have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have my personal statements on my XXXX such as XXXX, transunion and XXXX that are reflecting that affects any newly applied credits of mine to any Financial Institutions and also, my old phone number is the one listed for fraud alerts indicated on the personal statements or consumer statements on each Federal credit monitoring XXXX XXXX which precisely incorrect and I am requesting for a removal of all the personal statements on every Credit Bureaus its all made available and reflecting. And also, update my phone number from XXXX to XXXX as it is my updated, new contact cell phone number i basically have and using now already from XXXX. XXXX
Consumer complaint received 2024-07-08
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX  - XX/XX/year> XXXX  - XX/XX/year>
Consumer complaint received 2024-06-24
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. (NC)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiries on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

I have not initiated any transaction with any company listed. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any company listed below for review or collection.
Consumer complaint received 2023-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NH)

I use Venmo at my craft fairs for credit card payments. Recently I sold some personal belongings and the buyer paid me with Venmo. However my payment is on hold, and I don't know why. They wanted tax information so I gave them all of my info. But I still can't access the funds. When I tried to submit my tax info again, the message I got was " You're all set ''. 
They buyer has also been trying to help get me my money. She tried to get the money back as a refund but they denied her " claim ''. 
I have been on the website dozens of times. Each time you click on something it just leads you to another set of questions and tips that do not address the problem. I can't get in touch with a human. I just wanted the money for XXXX.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

i sent letters to the cra 's on XXXX, for reporting inaccurate and incomplete information on my credit report they they deemed verified. they have violated 15 usc 1681eb and 15 usc 1681s-2b for not deleting inaccurate information from a consumer credit report. plus i have paid rentdebt automated collection in full and they need to delete the account from my credit report.how can XXXX XXXX XXXX verify something to the cra 's when they haven't verified anything with me
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOUTHSTATE CORPORATION (FL)

On XX/XX/year> the merchant, XXXX XXXX had a pending transaction for a total amount of {$35000.00} from our business checking account.I proceeded to contact South State Bank and notified of the un-authorized transaction. I noticed after checking my account balance on XX/XX/year> that- {$35000.00} was debited from my business checking account by the XXXX XXXX. I had reached out to the financial institution, South State Bank on XX/XX/year> to request a stop payment be put in place to XXXX XXXX. I was told this had been done. On XX/XX/XXXX I had reached out to South State Bank for an explanation of why funds were taken and spoke with XXXX, ( assistant branch XXXX ) the explanation therepresentative of the financial institution, South State Bank provided me was " The merchant had debited the account and payment had posted and there was nothing she could do I explained this was not an authorized transaction and it needed to be reversed. I was flabbergasted by her answered, confused and now determined to get to the bottom of this. 

As of today, XX/XX/year> this matter has not been appropriatelyaddressed. I want to have this resolved, as I believe this was an XXXX error on the financial institution, South State Bank. I would like to know ; ( XXXX ). Why was I not given prior notification by phone, email or text ofthe XXXX transaction that took place XXXX XXXX, 2024?, ( XXXX ) .Does a merchant indeed have access to my account and allow to withdraw money whenever they please?, ( XXXX ). Who authorized this XXXX transaction?, and ( XXXX ). If it was not authorized was there written approval of a preauthorized XXXX? 

I find that the financial institution, South State Bank is in violation of Regulation E ( C.F.R. 1005 ) and I am requesting a formal claim of error investigated pursuant to 15 USC 1693f. I contacted the financial institution, South State Bank pursuant to 15 USC 1693g ( a ) ( 2 ) on XX/XX/year> and was made to believe I had no other recourse in this matter. This was false and deceptive practice by the representative of the financial institution, South State Bank. I did not authorize ( 12 C.F.R. 1005.3 ) or preauthorize ( 12 C.F.R. 1005.10 ) the financial institution, XXXX XXXX to perform an XXXX of my business checking account. As a consumer, pursuant to 15 USC 1693a ( 6 ) I am invoking my consumer right to have this matter investigated and resolved.
Consumer complaint received 2024-07-08
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)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

At XXXX on XX/XX/23, I entered the lobby of US Bank located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX, to request a cash withdrawal of {$6500.00}. I was told that " wasn't possible today '' and to " come back tomorrow after we get cash. '' The cashier then told me they only had about {$2000.00} on hand in the entire branch due to a " cash run '' over the weekend. It's XXXX  at XXXX, so they should have had plenty of time on XXXX  to get cash on hand before XXXX. I know I can go to a different branch but I shouldn't have to. Having less than {$2000.00} on hand for two whole days? Unforgiveable for the 5th largest bank in America during a year with several regional bank failures. 

US Bank customer service and the cashier both told me to try other branches. It's a solution that would likely work, but I shouldn't have to run all over town for a withdrawal like that.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-08
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. (NJ)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
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. (CA)

Upon checking my credit report I have discovered that Experian is reporting fraudulent account, the account is XXXX XXXX XXXXXXXX XXXX XXXX, with the account number XXXX, this account is fraudulent, I request immediate deletion of this account. On my Report I have witnessed fraudulent hard inquiries, these are 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 I REQUEST THIS FRAUDULENT INFORMATION TO BE PROPERLY REMOVED FROM MY CREDIT REPORT AS IT IS INNACURATE AND FRAUDULENT.
Consumer complaint received 2024-07-08
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (FL)

Reviewing all my complaints to cfpb, the letters I have sent to Selene Finance for Mortgage assistance and Selenes reply to the Bureau, I have found more errors from Selene and unfair practice. 
Please review all documents, I havent been helped by Selene only drowning me more with my default amount. 

Thank you for your assistance!!
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am challenging and requesting a thorough investigation of the inaccurate accounts on my credit report. The Fair Credit Report Act stipulates that I should receive {$1000.00} for each error. FCRA 605B mandates the reporting of any incorrect information on a consumer 's file.