davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

This information on my credit files is inaccurate and does not belong to me. My personal information was in XXXX, Equifax, and XXXX data breach. My information has been sold to third party companies due to the lack of these companies to keep my information private and secure. I am now a victim of identity theft due to this data breach. i have been harassed and threaten by collection agencies. i am scared to answer my phone because they are telling me that they will come after me and i have no knowledge of these creditors that have obtained my personal information for these accounts. i also have over XXXX inquires on my credit files. they are running my credit daily. i have asked for a block and freeze to be placed on my credit files. these companies have yet to do that. i have called each credit bureaus several times and i am being ignore. they have told me to contact the creditors and i have but this is not solving my issue. i am requesting that this accounts, inquires, and false personal information be removed from my personal credit file immediately. 

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  Under the FRCA laws these companies are in violation due to inaccurate reporting and selling my information to third parties. these companies is also reporting the same account under different creditor companies with different amounts, closing dates, account status, and date of last reporting. i would like these removed immediately for inaccuracies. 

also these companies are reporting a bankruptcy this over XXXX XXXX XXXX on my credit files and it has reach its limit and i would like it removed.
Consumer complaint received 2023-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I received a call today from someone stating they worked for Portfolio Recovery and were calling about an alleged debt with XXXX XXXX. I currently have two credit card accounts with XXXX XXXX that have a perfect payment history and a former car loan that also had a perfect payment history. I do not know if the person was an imposter or real, but either way, I do not acknowledge the alleged debt as legitimate ; I wish for Portfolio Recovery to cease and desist all collection attempts, and I will sue if there are any negative items that appear on my credit report from Portfolio Recovery.
Consumer complaint received 2024-06-04
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)

I appreciate your time to REMOVE some of the erroneous items in my file that resulted from an incorrect credit report entry but I still have ITEMS left that needed to be removed. This is my new attempt to notify you that I am a victim of faulty credit reporting and I write to dispute these items in my file resulting from the said issue. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file that resulted from an inaccurate credit report data : XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX  Bankruptcy Date Filed/Reported :XX/XX/2015 Reference # XXXX =======Equifax XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2015 Reference # XXXX. These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on these items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2024-07-27
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Three weeks ago you could not find a hardcopy of my statements. Nor could you find my police report and list of transactions sent into XXXX XXXX and XXXX XXXX XXXX of XXXX. My police report has seemed to have vanished all of a sudden from your system? How? This was very important because XXXX felt that my computer hacking my personal accounts being drained and the fraud going on with your bank could have all tied into together. So the fact that this has vanished is shocking to me. But so are the dates you have and the statement I was sent has been left without telling me why there are double debits and how they too have vanished and a new statement in its place now exists.Seems to me that your documents and dates change as does the amount of my claim. So let me set things straight on how things went down. Being that your system is not reliable. XX/XX/XXXX I brought to the attention of BofA the fraudulent activity. XX/XX/XXXX I sent in my police report and XXXX of fraudulent transactions. I at this point was continuing to get my money back in what your bank is now calling " returns '' its a bit hard to return XXXX when that is an online platform. As is XXXX and stores were opened numerous times various spellings of my name and store. I dont need XXXX or XXXX I have been selling online for XXXX years. So it is not a return. In XX/XX/XXXX XXXX phoned me from his cell and he was leaving the bank so he didn't care what he was saying to me ( XXXX XXXX also knew of this call ) I was told that " investigation was being looked into for a second time and that today was his last day.He said there was zero proof that these transactions are mine and that they have no photos from anyplace ( I knew at the time photos were available ) He said photos unless from another BofA branch wont be requested the bank never asks for them. He said that they pulled up a map looked at the transactions where i live in comparison to those transactions. Of course my next email was straight to XXXX. You cant tell me that becuase I live within XXXX miles of a place that is my transaction. 

Below are the dates I emailed XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Explanation of the statement sent to me by your bank XX/XX/XXXX and how did this statement change between then and now? Someone hit the delete button
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Per Experian credit report payments were made on the XXXX XXXX loans in XX/XX/XXXX. 
I need then to provide validity that these payments were made. Provide documentation to support payments were made on these loans. 

XXXX XXXX reported the accounts delinquent for 60/90 days since no payments were made after XX/XX/XXXX. 

This is a depictive practice, Then they report it as delinquent or charge off. 

They dd not provide verification of a cancelled check, electronic transfer of who made the payment.
Consumer complaint received 2024-06-04
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (PA)

Hi there is a issue.I paid the XXXX but was approved by XXXX scared water would be shut off.can you refund me the one I sent so the XXXX XXXX approved me of can be added to account? I also was able to get a check number for the XXXX so it would be over XXXXSo if you could return my payment to me the visa card XXXX or reject it with the payment from pnc XXXX XXXX office paid the XXXX. XXXX is a program that helplimited income people.It was a crisis grant.They paid the balance for XXXX also sent a payment.The city claims no we will not issue my XXXX because we don't issue refunds even if it is over paid.That would become XXXX paid XXXX they refuse to issue a refund.I am limited income and can use that for my electric and gas bill.So to force me to be with out my money is not right.The government paid the balance.Also they claim my highmark insurance issued a XXXX check.They stated they never got it.But it was also cashed and never put on my account.I have tried to get my money XXXX the XXXX paying XXXX plus the XXXX from my insurance that leaves a balance of XXXX. In credits. Now keeping my XXXX The XXXX would make my balance XXXX that they are forcing to keep from XXXX get XXXX a month so I need my payment back.so I am asking for help to recover my XXXX payment. So they can't force keep my money.
Consumer complaint received 2021-11-10
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: CURO Intermediate Holdings (CA)

I am XXXX XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the AD ASTRA RECOVERY SERV ( Original creditor XXXX XXXX ) still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureaus are failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

I have a loan at " XXXX ''. My due is today ( XX/XX/2023 ). I was trying to make a payment but it did not go through but the app is not saying exactly if they withdraw the money or not. Just got a message " something went wrong ''. I did try several attempts and now wondering if they have a queue how many times they are going to process the same request and where the money will go. I got to know from forums that parent company XXXX XXXX XXXX was cyber attacked and a lot of information was leaked. There is no official statement from the lakeviewloanservicing but web services are still behaving strange accepting payment and all information to be entered including routing numbers, account numbers, etc. The main concern is what to do now. If my information is stolen, and company hides it. At any point of time all money from my account can be stolen and no-one cares.
Consumer complaint received 2024-06-26
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. (VA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-04
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: EQUIFAX, INC. (GA)

I sent a letter XXXX XXXX XXXX to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days. Ive already included this in my previous Complaint # & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AM XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$7300.00} XXXX XXXX {$13000.00} XXXX XXXX : {$1200.00} XXXX XXXX XXXXXXXX : {$300.00} XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Equifax has 3 account I have properly disputed, requesting verification, validation up to Removal, these 3 account have no lender or debt collector information, no name, no address, no phone number as requested by the fair credit act. 

I request immediately for the following items that are affecting my credit report to be removed and updated as soon as possible 1 ) Account XXXX Showing a Balance of {$670.00} 2 ) Account XXXX Showing a Balance of {$1400.00} 3 ) Account XXXX Showing a Balance of {$1600.00} I do not have knowledge of any of these account, I have not have any source due to information not provided to verify or validate as per the fair credit act
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Per XXXX credit report payments were made on the XXXX XXXX loans in XX/XX/XXXX. 
I need then to provide validity that these payments were made. Provide documentation to support payments were made on these loans. 

XXXX XXXX reported the accounts delinquent for 60/90 days since no payments were made after XX/XX/XXXX. 

This is a depictive practice, Then they report it as delinquent or charge off. 

They dd not provide verification of a cancelled check, electronic transfer of who made the payment.
Consumer complaint received 2024-06-26
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)

According to FCRA 605B, we need to eliminate any incorrect accounts from my credit report. Could you review the documents? Some listed accounts contain inaccuracies in reporting, amounts, and dates.
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (AZ)

hello back on XX/XX/year> a letter was sent to Equifax disputing some information reporting to my credit that is not accurate. I have also not received any correspondance on them processing my request. I wish to have my voice heard please adv them that they are required to.
Consumer complaint received 2024-03-21
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)

I hope this message finds you well. As previously communicated, I discovered unauthorized transactions on my account statement. Despite my diligent efforts to report and rectify these fraudulent activities, the items remain unresolved, causing me significant distress and frustration. 

I urge you to take immediate action to rectify this situation. I request that you escalate this matter to your highest authority and allocate the necessary resources to expedite the process of removing the fraudulent items from my account. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. 

Furthermore, I believe it is imperative to address the emotional distress and financial hardship caused by this ongoing ordeal. I request compensation for the inconvenience and stress endured as a result of the unresolved fraudulent items. With this, I am asking for your assistance to remove these fraud items in 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX is reporting a high credit amount of {$55.00}, this is a deposit account and not a credit line extension. The balance of the {$55.00} was an overdraft of the account. XXXX XXXX XXXX was also included in a XXXX  XXXX bankruptcy filing and should be reporting any debts nor high credit limits on my consumer profile, and this account has also reached the statue of limitation to report negative items in which it was established in XXXX and included in a bankruptcy in XXXX. There are no legal grounds to update an account once it's included in a bankruptcy. Therefore, memberfirst credit union is violating my federal consumer rights by continuing to report past the statue of limitation and also by continuing to report negatively after being included in a bankruptcy. Adding notes to the account doesn't take away the negative status. This is a serious violation and XXXX, Transunion, and XXXX are co-conspirer in the negative reporting and not updating my consumer report in accordance to the federal consumer laws.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (NY)

Dear Wise Team, We have a few things to discuss with you. 
Firstly, our account was unexpectedly locked without any notification via email from XXXX XXXX. Furthermore, during that time, We were informed that a sum of XXXX with ID number XXXX was transferred to the account. Because it was disabled, we could not check and had no evidence to prove that the money had gone into my account. However, On the sender 's side, they have invoices and documents proving that the money had entered our account. ( I will enclose for your reference ) Therefore, we would like you to urgently send our bank statement from XX/XX/XXXX to now. We have waited too long and have suffered a huge loss because of this, so we would like to make an appointment directly at your office in XXXX. Please urgently provide information such as phone number and address so that we can completely resolve this issue. 
Were looking forward to hearing from you soon. 
Best wishes,
Consumer complaint received 2024-03-21
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: Experian Information Solutions Inc. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX Balance {$730.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance - XXXX  XXXX XXXX Balance {$140.00} XXXX XXXX XXXX XXXX Balance {$170.00} XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Balance {$140.00} XXXXXXXX XXXX  Balance {$95.00} XXXX XXXX XXXX  XXXX {$2000.00} XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXX Balance {$170.00} XXXX XXXXXXXX XXXX Balance {$730.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  {$140.00} XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX