davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
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. ()

" 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 each account listed without my expressed written consent. 
"
Consumer complaint received 2024-06-14
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. (FL)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (NY)

SELENE FINANCE TOOK OVER MY MORTGAGE FROM XXXX ABOUT XX/XX/2023 AND SINCE THEN I HAVE PROBLEM WITH THEM.SELENE COLLECT ESCREW FOR TAXES AND CLAIM THAT BEEN PAID THE TAXES .BUT THE NOTICES I GET FROM THE VILLAGE FOR THE TAXES SAYS OTHERWISE.I SENT NOTICES I GOT FOR THE VILLAGE TO SELENE FOR VILLAGE TAX THAT BEEN DUE SINCE XX/XX/2023 AND STILL NOT PAID..TODAY I RECEVED A THIRD NOTICES WITH {$270.00} PENALTY AND MARKED ARREARS. 
MY MORTGAGE BALANCE IS UP TO DATE AND BEEN PAYING MY MORTGAGE.SELENE REFUSE TO ANSWER AND FIX THE PROBLEM.PLEASE HELP AS SELENE IS IN VIOLATION. 
THANKS. 
XXXX XXXX
Consumer complaint received 2024-06-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery numerous numbers, keeps calling me during the week, during the weekend. I told them to stop. They would not. Today, XX/XX/XXXX I told them they are breaking the collection federal laws. The call me from different numbers. Constant calls even on weekends. 
Today is Saturday, XX/XX/XXXX XXXX a.m. XXXX ThXXXX 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 These are just a few that I did not delete. I have told them to stop calling me. The debt is over XXXX XXXX XXXX I believe for {$XXXX} around that amount for a store no longer in business.
Consumer complaint received 2024-06-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

my PayPal account was got banned for unreasonable process asking for bussness document then I already correctly the needed information about my PayPal account and PayPal was permanent limited my PayPal account and I have big amount on my PayPal account pleas help me to back to normal may paypal account cause I have huge funds on it. and there was no any risk on my PayPal account
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC. (FL)

Account opened in XX/XX/2023 Real paycheck transfer over XXXX XXXX from my company ( XXXX XXXX XXXX company ) Called in XX/XX/2023, XX/XX/2023, a first manager said the bonus was " on his way ''. Called again a few weeks later, I talked to a manager ( XXXX XXXX ), he asked me to send the proof of paycheck on his email. I sent it. Never got any answer. Looks like very SHADY this way when we see the company name on the statement! 

I called the customer service again, that looks to be outside of the country and they keep repeating that i should get the bonus ( {$300.00} ).
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (GA)

I currently bank with PNC. I have deposited checks, the check may not clear immediately but it will be pending and certain funds will be made immediately available. My account went into overdrawn status on XX/XX/XXXX. I deposited a check of {$150.00} and XXXX {$75.00} before the XXXXXXXX XXXX cut off. According to their policy, if I do not bring my account to XXXX  then I willl be assessed an overdraft fee. I was able to do so. It reflected in my account. However I was still charged not one over draft fee but two. I deposit a check of {$5500.00} I withdraw from my retirement trust since I was recently laid off and in need of the funds. They place a 7 day hold on the check and proceed to charge overdraft fees as they decide to hold the funds. Their practice seems very unethical and needs to be looked at.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NY)

I IDENTITY WAS STOLEN AND I TRIED TO PUT A LOCK ON MY SOCIAL SECURITY NUMBER AND ONE OF THE QUESTIONS ASKED WAS WHICH BANK DID I GET A XXXX FROM. XXXX XXXX BUT I NEED ASSISTANCE IN VERIFYING IF MY ESTRANGED WIFE USED MY IDENTITY TO PURCHASE A HOUSE.
Consumer complaint received 2024-05-17
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. (NJ)

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 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my new attempt to dispute the items in my credit file which impacted by incorrect credit information. Again, Im sending over a new Identity Theft Report # XXXX & XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any items in my file that resulted from a mistaken credit reporting, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1600.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX =======EQUIFAX : XXXXXXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX XXXX Balance Owed : {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX  Please note that you have 4 business days to REMOVE the reporting of any items in my credit file that resulted from an inaccurate credit reporting. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2024-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

As of XX/XX/2024, I attempted to open a checking account for my XXXX child and was denied. Reasons unknown to XXXX XXXX  its an assumption fraud or a debit owed on the old Bank of America account showed up via XXXX XXXX, XXXX. I am unaware of any debt and suspect fraud. I would like the information removed immediately!
Consumer complaint received 2024-05-16
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: Paramount GR Holdings, LLC (TX)

valor Solar agent came to our home with proposal for solar energy he assured us that with solar installation there will be no electric bill but we will get money by selling electricity. XXXX XXXX said it would be {$40000.00}, after installation I paid {$150.00} to solar and at the same time I was receiving XXXX XXXX provider over {$500.00} to {$1000.00} pm since than I keep asking to check problem and I stop paying to Solar company lender Goodleap. I am paying only to electricity not to solar since its just fraud fraud. 
XXXX XXXX got {$65000.00} from Goodleap lender I never signed any documents for loan. 
I was shocked when they put to XXXX credid reporting company How can solar company do this without fixing problem my score dropped from XXXX to XXXX and I am unable to get any credit card despite many requests nothing happened still living with bad credit. 
I requested to remove solar panels immediately and explain why Solar company charging {$65000.00} when I never signed any documents and why I am getting high electricity bills its just fraud
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion is reporting an account from XXXX XXXX that is reporting inaccurate information on my credit file. Transunion refuse to conduct a reasonable investigation into the erroneous reporting from XXXX XXXX. Transunion is reporting from XXXX XXXX an incorrect account status stating " Account included in chapter XXXX bankruptcy ''. 

As of XX/XX/2018, I do not have a Chapter XXXX or XXXX Bankruptcy listed on my credit report ( Public Records ).
Consumer complaint received 2024-05-09
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. (NJ)

" Your agency is in violation!

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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX
Consumer complaint received 2024-05-09
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. (VA)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, 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. (LA)

I started receiving alerts on my Equifax credit report and noticed that there were inquiries that I do not recognize. As I researched the inquiries I noticed that they are from banks for auto loans. I already have a car that 's paid for, so there 's no reason for me to apply for auto loans. I ask that this issue be investigated. If you find that these inquiries do not belong to me, I DEMAND that you delete them immediately. If these inquiries come back verified then I DEMAND PROOF of verification because I never authorized these inquiries. The inquiries needed to be removed 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/XXXX/XXXX XXXX XXXX  XXXX XXXX/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 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 XXXXl XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2024-05-09
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. (IL)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled.
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

Everything is listed in the image I took below XX/XX/2023 XXXX XXXX ATM withdrawal XX/XX/2023 XXXX XXXX ATM withdrawal I didnt receive any money at all from atm
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to address an issue concerning late payments on my credit record. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and there has been no satisfactory validation provided. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

FCRA 605B, in my understanding, requires us to eliminate any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts have inaccuracies in reporting, including incorrect amounts and dates.
Consumer complaint received 2024-05-09
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)

XXXX, Equifax XXXX XXXX ( Review Attached Documents ) Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, have 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 ( AN ( 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. 

Remove Following non-mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX, KY XXXX - XXXX XXXX XXXX XXXX XXXX KY XXXX Update Accurate Account Payments Dates : XXXX XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX ( Update Payment information for XXXX, XXXX as Paid ) XXXX XXXX XXXX, Account Type : Revolving, Date Opened:XX/XX/XXXX ( Update Payment information for XXXX, XXXX as Paid ) Remove Unauthorized Accounts Listed Below : Account XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX Account Type : Collection Date Opened : XX/XX/XXXX Balance : {$560.00} Remove Unauthorized Accounts Listed Below : Account Name : XXXX XXXX XXXX XXXX XXXX Account Type : Collection Date Opened : XX/XX/XXXX Balance : {$560.00} Remove Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Consumer complaint received 2024-03-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc. (TX)

This request to either amend a specific account currently showing on my personal credit history, may all also request that the account be deleted permanently based upon either legal timeline requirements, or that the account has no legal basis on my credit report to begin with. My request is based upon the following criteria : The FDIC ( Federal Deposit Insurance Corporation ) set several guidelines during the national pandemic, whereas if financial accounts, be they secured or unsecured, could have been given several months of deferment. While I was not able to work full time during the pandemic, I was never offered a deferment on this specific account. Accordingly, I request that this account either be amended with the deletion of all payment histories, or deleted completely as a professional courtesy. 

Since the legal timeline is almost in play, please delete the account permanently.
Consumer complaint received 2024-05-09
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. (MO)

On XX/XX/XXXX sent letter to all XXXX Bureaus informing them that date of last activity was incorrect, that balance was also incorrect and they this the creditor XXXX XXXX account number XXXX that this creditor has had this debt for 6 years and not sold the account to keep reporting incorrect information. The credit bureaus have chose to violate my consumer rights and have not provided me the validity of this debt and has also continue to report inaccurate information on my credit report. This credit is a predatory lender and has chosen provide a loan in XXXX knowing that I only had an income at the time of 25000 yearly and ignored their systems agrorithm showing that i should not qualify for this loan. This company was sued and found to be doing this to consumers since XXXX to XXXX. CFPB also has a class action lawsuit against this company that was just paused XX/XX/XXXX which I have attached. Im asking this to please be removed my my report immediately or I will also have to take legal action against the bureaus and the company. 

Thank you
Consumer complaint received 2024-05-09
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. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.