davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX I was charged {$71.00} by XXXX and on XX/XX/XXXX I was also charged {$34.00} by the same company. I set it up where this is charged automatically to my Paypal Credit account each year for renewal purposes. With Paypal Credit, individual charges over {$100.00} qualify for a 6-month interest fee special financing program which I have done for years with Paypal on those kinds of purchases. Any amount under {$100.00} do not qualify for that and must be paid before the next billing cycle, or incur high interest charges. I make my payments online and Paypal does not give the option to specify which debt you want to pay towards/off. The site automatically determines that based on which one will be due the soonest. With that being said, since those 2 charges totaling {$100.00} are due before the next billing cycle which is XX/XX/XXXX ( told by one of their representatives when I called about this on XX/XX/XXXX ), I paid the total amount on XX/XX/XXXX. When I checked the account to make sure it was applied to those 2 charges, I saw that it was instead applied to one of the " special financing '' charges that isn't expired until XX/XX/XXXX. When I called and spoke to a representative, she even agreed that they would normally apply to what is due the soonest which would have been the 2 charges that were under the {$100.00}. She also stated that in order to specify where it should have been applied, I would have had to call Paypal to make the payment. She then advised she would send the case to their " Reallocation Team '' as she was not authorized t do so and that I would hear from them by XX/XX/XXXX. With the new billing cycle being XX/XX/XXXX, I am in no way confident that they will make any attempts to resolve as we all know interest is the way these companies make money and as far as I am concerned, that is the reason they didn't apply my payment as they were supposed to. I find these practices to be very unethical, especially during these times of inflation and financial hardships in the country. Even if nothing comes out of this complaint for me, I definitely want it public so consumers are aware of their practices before using them for purchases. I've attached pictures of the charges, the payment made, and the special financing schedule. They applied my payment to the XXXX charge that now has a remaining balance of {$320.00} when it should reflect a charge of {$430.00}.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

A payment was made to XXXX XXXX  in XX/XX/2022 for {$1400.00} for payment in full. I have a copy of the cleared check. The account still appears on my credit as unpaid. I have made several calls and filed disputes with the bureaus to which they reply it is unpaid. I have sent copies and they still refuse to remove this account. Clearly a violation of the FCRA, not to mention the attempts to collect on a debt paid 2 years ago. I would like this completely removed from my credit as it now has caused issues with my score and prevented me from obtaining other new lines of credit and as a young professional now is the time for me to be building my credit
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've always made sure that payments on this account are made on time and are never overdue. I'm not sure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be rectified.
Consumer complaint received 2024-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've been a victim of identity theft due to the XXXX data breach, and I've discovered misleading items linked to my profile. 

XXXX XXXX XXXXXXXX XXXX XXXX : {$250.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1500.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-01-27
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. (CA)

XXXX, XXXX, and Equifax continue to report inaccurate information onto my consumer report. My only name is XXXX XXXX. No other name or spellings should be listed on my report. My address is XXXX XXXX XXXX, XXXX, CA XXXX this should be the only address report. Under federal law the credit bureaus are responsible for damages caused my inaccurate information being reported.
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2012, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX Balance : {$12000.00}, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$70.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-01-22
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. (NV)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2024-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

I have repeatedly asked them to look over the records for the escrow from XX/XX/XXXX until now. They argue the partial payments that add up to full payments ( that they keep texting me to make weekly payments, by the way ) are messing with their system. However, it's all electronic, meaning they should be able to tell me where my extra escrow payments went. Instead, they continuously refuse to run the audit. From XX/XX/XXXX until XX/XX/XXXX, the extra escrow payment was {$340.00}. The payments were made in full that entire time. So the argument that partial payments were made is invalid. From XX/XX/XXXX until XX/XX/XXXX, the extra payments were {$280.00} a month due to increase in taxes. In XX/XX/XXXX, I started making the partial payments which added up to more than my actual payment on literally every occasion, but the extra payment still was XXXX a month. I have asked you to look into this on the phone, in writing, via CFPB. Your company has refused. If you looked into this, everything would be rectified, but you haven't. I have asked for an audit, which, again, by law, you are required to do and you still have refused. All you provided me was from this year and what you took from my escrow, instead of finding out where my extra payments went. Please fix this, as you are not allowed, again, by law, any action on payments in dispute. I paid the principal and interest, but the escrow needs to be fixed. I have and will continue to ask until you fix it. And this will continue as long as I can.
Consumer complaint received 2023-07-06
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MS)

in XX/XX/XXXX ' i got a limitation put on my account and had to submit information about myselft and took XXXX  months for them to process it and give me access to my account and then again i get another limitation in XXXX this time claiming they could not process any payments thru my bank when i had to add a new account to my file.
Consumer complaint received 2024-01-27
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. (IN)

Like I've already stated in my complaints about all 3 bureaus. They replied to CFPB And all 3 replied to my complaints the CfPB submitted last week and today that they ate still working on the issues. They said that last week to CFPB and i have documents with dates from all three that my dispute results are completed. I am XXXX. And I want to proceed with civil or criminal action for compensation for their negligence in their investigations
Consumer complaint received 2024-01-27
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. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me, and found unverifiable, invalidated, inaccurate, and fraudulent inquiries that your agency did not make sure were reporting 100 % correct. 

These inquiries below are fraudulent and would like them removed immediately. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts violation of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-31
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-11-04
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlanticus Services Corporation (FL)

I have a credit card with aspire XXXX since XX/XX/2023. I have not missed a payment up until now. I was out of work due to a family emergency I came back last week. I am on a fixed income and I am barely making it. Yesterday XXXX I received emails from aspire about a past due balance of {$56.00}. Then today XXXX I received a phone call from XXXX ( XXXX ) XXXX. I answered thinking it was someone else. And it was an agent from aspire XXXX. She explained there was a past due balance and she had seen that a payment was scheduled on XXXX. And then she proceeds to ask me is there a reason why you missed that payment. It is clearly none of her business. I am on a hardship and short on income due to me being out of work and I need time to get back on my feet. I would like the calls to cease and desist until I get more income to get caught up
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

My identity has been used without my consent acknowledge nor my permission please delete and remove this fraudulent inquiries from my credit report immediately inquire : XXXX XXXX ( Finance ) XX/XX/2024, XXXXXXXX XXXX XXXXXXXX ( Auto ) XXXX, XXXX XXXX  ( Bank ) XX/XX/2024, XXXX XXXX XXXX ( Bank ) XX/XX/2024. This inquires are unauthorized these illegal inquiries are reported illegally on my check systems report, XXXX report, Equifax report, and XXXX XXXX report. It must be removed ASAP Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. 
And and send the required notifications to all furnishers of this information under FCRA 605B ( 15 U.S.C. 1681c-2 ) these inquiries must be deleted immediately And and send the required notifications to all furnishers of this information under FCRA 605B ( 15 U.S.C. 1681c-2 ) these inquiries must be deleted immediately 15 U.S. Code 1679c - 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts 15 U.S. Code 1681 - please remove these unauthorized inquiries by law thank you 15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2024-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$30.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$220.00} XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I am writing to request the removal of certain addresses and phone numbers from my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) and specifically referenced in 15 U.S.C 1681c. 
I contacted Equifax, XXXX, and XXXX and has had no help with the removal of the following items that I have identified. Several addresses and phone numbers which are either outdated or no longer relevant to my current circumstances. The presence of these outdated addresses and phone numbers may potentially impact my privacy and confidentiality as protected under the FCRA. 

The following outdated addresses and phone numbers should be removed from my credit report : Addresses : XXXX. XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX and XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : Current Address ) XXXX. XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) Phone Numbers : XXXX. ( XXXX ) XXXX 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 believe that the presence of these obsolete addresses and phone numbers does not serve any legitimate purpose and XXXX lead to potential confusion or unauthorized use. 

I kindly request that these outdated addresses and phone numbers be promptly removed from my credit report, and that any future consumer reports issued by your agency do not include this information. 

I appreciate your attention to this matter and the timely handling of my request. Please provide written confirmation once the requested removal has been completed. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2016-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OR)

My mortgage payment of {$2000.00} was wired to Nationstar Mortgage on XXXX XXXX, 2015. My bank has confirmed the payment was made and received by Nationstar. Due to an incorrect account number keyed in Nationstar was n't sure where to apply the payment so they have said they returned the {$2000.00} to XXXX Bank. I have made numerous calls to XXXX Bank and as of XXXX XXXX, 2015 they have been unable to locate the money so have requested I ask Nationstar that they provide me the routing and account number of where the refund was sent. Nationstar does not seem to be able to or does not want to provide that information. After over XXXX in coming and out going calls and XXXX months later there is still no resolution. However, in the mean time myself and husband have been sent to collections over a payment that was made and received by Nationstar. I have always prided myself on making timely payments and keeping my credit in good standing. At this point I am frusterated and am not sure what else to do. I suggest you go to Nationstar victims or Nationstar bandits take a look at their XXXX reviews its very apparent I 'm not the first victim here. 

If needed I can provide very specific information of the people I 've spoken with at Nationstar, email correspondence records as well as in 5 days I will have from XXXX Bank copies of the XXXX way calls between Nationstar, XXXX Bank and myself. XXXX Bank has told me they have never delt with a mortgage company that is as difficult to deal with as Nationstar. 

Lastly in the " attachments section '' I have attached a time line letter I have sent to someone else who I 've reached our for help as well.
Consumer complaint received 2024-05-04
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX / XXXX XXXX Balance : {$6.00}, XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX