davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates agreed with me on XX/XX/XXXX, to settle a {$3500.00} credit card debt they purchased from XXXX XXXX XXXX  in XXXX. The agreed amount was {$2200.00}. I paid {$2200.00} on the date we agreed to, but Portfolio Recovery Associates left a balance of {$1300.00} on my credit report. It appears that Portfolio Recovery Associates is expecting me to pay {$1300.00} to clear my credit report despite our agreement, as stated above. Also, I paid the debt over the phone with a Portfolio Recovery Associates representative on the agreed date, XX/XX/XXXX. I gave her my checking account number and routing code, and I authorized the payment over the phone ; however, my account was not billed for the debt until XX/XX/XXXX. The Portfolio Recovery Associates representative sent me an email message which she said was a receipt for the transaction, but it was not a receipt. It appears that Portfolio Recovery Associates is taking the position that I did not pay the agreed settlement amount on the agreed date. I believe that Portfolio Recovery Associates is using deceptive practices and not dealing in good faith. We agreed to a settlement amount, a payment date, and that credit reporting bureaus would be notified that the debt was paid in full, but I believe that Portfolio Recovery Associates is attempting to collect the entire amount from me despite our agreement and on-time payment of the agreed amount.
Consumer complaint received 2024-08-19
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: Experian Information Solutions Inc. (NC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-02-07
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. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

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 2023-02-18
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: EQUIFAX, INC. (CA)

This is ridiculous I am a human like the rest of the ppl of the universe yet my no one is apparently listening to me I have rights!!! under 15 USC 1681!!!! They have violated my rights on numerous occasions alI I ask is for these accounts to be deleted immediately.According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish theses accounts!!! 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, 15 USC 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their their grave responsibilities with fairness, impartiality, and a respect for the consumers privacy. 15 USC 1681 : ( 1 ) All information in the consumer 's file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer note included in the disclosure and the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to required consumer reporting agency to disclose to a consumer any information concerning credit scores or predictors relating to the consumer. Also none of my credit report matches up in any of the three credit bureaus that i disputed about last year and its still incorrect!!!!!
Consumer complaint received 2024-04-18
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. (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 ( 5 ), 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 XXXX XXXX Account Number : XXXXXXXX XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX :
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX and I have submitted multiple disputes asking for verification of the mentioned accounts. No one is able to provide me with any Validation/ Verification. Attached is the proof I was given from multiple reporting agencies. Please check it out. XXXX, XXXX, EQUIFAX continues to Violate the FCRA. Attached is proof. They are reporting Inaccurate, Incomplete, unverifiable information. They were never given permission to reporting any of this information. And they never conducted an investigation into my claims. This is not a 3rd party submitting this claim this is me XXXX XXXX.
Consumer complaint received 2022-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

CashApp is allowing a company called XXXX XXXX XXXX to empty its user accounts and doing nothing about it. Upon researching who this company was after my card was charged over 15 times until it was emptied, I learned that this has happened to hundreds of CashApp customers and we have all been given the same response. Its not out of the question to assume that CashApp would be stealing from its own customers considering the fact that they refuse to help anyone this has happened to. You can read more stories here : XXXX XXXX  XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (IN)

Hey my name is XXXX XXXX These addresses does not belong to me listed below can you please remove them I havent been able to sleep at night. I writing you to let you know that u being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen and Im letting you guys let right now. You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy These are not my names ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX also these are not my addresses ( XXXX XXXX XXXX XXXX XXXXXXXX, Il XXXX Il XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX XXXX XXXX XXXX XXXX CT XXXX Il XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name is incorrect when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file. Please promptly remove all other names in addresses these other forms of my name in address are not correct historical data.Therefore, They must be removed please send me update showing address deleted thank
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My student loans were forgiven back in XXXX and they still appear on my credit report. 

Credit report showing below : XXXXDEPT OF ED XXXX % paid off {$13000.00} XXXX/DEPT OF ED XXXX % paid off {$10000.00} XXXX/DEPT OF ED XXXX % paid off {$8600.00} XXXX/DEPT OF ED XXXX % paid off {$8600.00} XXXX/DEPT OF ED XXXX % paid off {$7800.00} From XXXX : XXXX XXXX XXXX XXXX XXXX 
Congratulations! You have successfully met the requirements of the XXXX XXXX XXXX XXXX ( XXXX ) XXXX and all or a portion of your loans listed below have been forgiven. Thank you for your public service! 
Loans Details XX/XX/XXXX ACCT NUMBER : 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 2024-04-18
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: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-07
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. (CO)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX XXXX Collection {$0.00}
Consumer complaint received 2024-02-07
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. (IL)

Equifax is still reporting blatant errors on my credit report. 

I disputed XXXX XXXX XXXX XXXXXXXX account. Equifax said the account was not on my report. It is still on my report. 

I disputed 2 XXXX XXXX XXXX accounts, and a XXXX XXXX XXXX account. 
Equifax reported all 3 as closed accounts. They are all 3 inaccurate collections. 

I disputed XXXXXXXX XXXX. Equifax has the account closed as XX/XX/XXXX. The account has incorrect payment history. The account has a reported payment of XXXX XXXX
Consumer complaint received 2024-07-01
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)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report.
Consumer complaint received 2024-08-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

XX/XX/year> Fair Collections & Outsourcing ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern, I am writing to inform you that your continued attempts to enforce collections related to the account listed below are in direct violation of a court order, and you are now in contempt of court. 
Account Number : XXXX Original Creditor : XXXX XXXX As you are aware, the recent class action lawsuit, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) in the United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has resulted in a settlement that mandates the removal of this debt from all credit reports and prohibits any further collection activities. 
Despite this order, it has come to my attention that you have continued to report and enforce this collection account with XXXX, XXXX, and XXXX XXXX XXXX  XXXX. This action is not only unlawful but also constitutes contempt of court. 
I demand that you immediately cease all collection activities related to this account and ensure its removal from all credit reporting agencies. Failure to comply will leave me with no choice but to pursue all available legal remedies to enforce the courts order. 
Please confirm in writing that you have taken the necessary steps to comply with the court order.
Consumer complaint received 2017-09-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (PA)

Our mortgage company is now called XXXX.XXXX. We requested our mortgage payoff on XXXX/XXXX and the company told us it would be received in 2-3 business days via email. We called back on XXXX/XXXX to check the status and the company told us no such request was made or they did n't have it on file so a new request for a payoff was made. Since then, multiple calls have been made, no email has been received. On XXXX/XXXX, another call was made requesting the payoff amount and verifying two email addresses that they should be sent to. I was told the email would be sent in regards to the payoff amount. Still, no email. Today I spoke to a supervisor, who told me she only received the request for the payoff amount on XXXX/XXXX and I told her it was originally requested on XXXX/XXXX. She said she would try and expedite it and due to our mortgage being behind, it essentially was a more complicated process. We simply can not get a straight answer and are running out of time. All we want is our mortgage payoff amount.
Consumer complaint received 2023-08-08
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Upon recently checking my credit report I noticed multiple accounts reporting on my profile that I did not authorize or verify. Section 609 of the FCRA says that before derogatory accounts are placed on your credit a signed letter of verification must be on file. I demand to see said letter of by law these accounts must be removed from my credit within 30 days of the date of this letter. These fraudulent accounts are negatively impacting my credit and my livelihood and I need your immediate assistance with resolving the matter.
Consumer complaint received 2024-04-18
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. (NC)

Dear Credit Bureau, XXXX XX/XX/XXXX, someone reported my XXXX XXXX credit card balance as {$100.00} to all major credit bureaus. However, my actual balance is {$0.00}. This false information has caused my credit score to drop by XXXX points unfairly. I demand that only one credit report per month be submitted for my accounts to prevent such inaccuracies.

Additionally, I request that my credit score be immediately restored to its proper level before this erroneous reporting. Please investigate and rectify this issue promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

I have tried to reach out to this company via FTC about some unauthorized accounts that is reporting on my consumer report. I have not heard back from them or received any update of my credit report. This is my second attempt to get these accounts investigated and removed from my account SEE ATTACHMENT