davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (PA)

I contacted y'all on XX/XX/20 to dispute a payment from XXXX XXXX {$99.00}, and I never got an email back about disputing it. I need to dispute it Because they billed my card without my permission. I can't get ahold of the company because they were a fraud company and shut down their business after taking people 's money.
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servatus Corporation (TX)

Original creditor transferred debt to collection agency. Debt first became delinquent in XXXX XXXX XXXX XXXX XXXX has attempted to re-age debt by showing it was first opened or first became delinquent in XX/XX/year>.
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (GA)

Ive been awaiting a response from XXXX XXXX about receiving my funds from my business account they closed subjecting it to fraudulent activity. I was told he would be out of the office for a week but still havent received any follow up. The account was opened under sole proprietor and my social. I had no issues opening the account nor had any issues once my account was funded. I have every document they asked for and Im still getting the run around about my account being fraudulent. I even showed the loan status and that I still have to make payments on. Truist bank and XXXX XXXX has not been trying to comply with me and allowing more time to pass by. I am not a satisfied customer of Truist Bank nor would I recommend their services. I was lied to on several occasions and have not received my funds that are owed to me. I now have no more time to wait or waste. XXXX XXXX and Truist bank have placed my life in shambles for the past years.
Consumer complaint received 2024-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting false latenesses on my credit report. I asked why they were reporting lateness when I was never late, they said it would take up to 30 days to investigate. It has been beyond 30 Days, I ask that Transunion remove the latenesses.The accounts are below. 
XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I have had this mortgage for in excess of 10 years. I have never missed a payment. 
My payments are scheduled to come directly from my checking account one or two days BEFORE the first of the month in which it is due. I have been harassed by collection calls to my place of employment. I believe that this practice is illegal. I have tried to reach someone in the company who is not just a collector to no avail. I have requested documentation or statement of how they think I am delinquent. All of these requests have been ignored. I am attaching a letter from my bank showing payments made from XX/XX/XXXX through XX/XX/XXXX. I could also provide statements for payments made from XXXX through XXXX of this year. 
I would like to add that after the first few collection calls, I was convinced that this was a scam. I couldn't reach anyone in a responsible position and they only tried to contact me via my work phone.
Consumer complaint received 2024-01-13
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)

On XX/XX/2023, XXXX XXXX XXXX put my XXXX XXXX account into collections. They put it into collections because XXXX XXXX was in a company corporate name that wasn't personally guaranteed. This account never belonged on my credit in the first place. They took my consumer information and placed it on my credit report and that's not what should have happened. 

16 CFR 313.7 15 usc 6802 Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbally and non verbally per 15 USC 6802 it is effective immediately and indefinitely. 

Since the debt is now with a third-party collection agency, it has already been charged off. As outlined in Tax Topic 431, this represents a certificate of indebtedness, which is categorized as income. It's important to note that income is not reportable on my credit report.

" If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. '' - Tax Topic 431
Consumer complaint received 2024-07-22
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: Prosper Marketplace, Inc. (GA)

I received a call from one of the companies ( XXXX XXXX XXXX ) to obtain more information to process the loan. I explained that I never applied for a loan and they asked for them to cancel the request. I then called the other company ( Prosper ) and explained that I never applied or requested a loan from them. They stated that the loan request was processed through XXXX XXXX ; again I have never requested or created an account with any of these companies.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-07
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. (TX)

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. 

The letters are stated with items and issues. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-15
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. (TX)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XX/XX/XXXX
Consumer complaint received 2024-07-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC (AZ)

Leased furniture through Acima leasing from XXXX XXXX. Contacted Acima leasing, both customer service and local agents ; multiple attempts beginning early to mid XXXX. Spoke with an agent by the name of XXXX who advised me he would need to contact his XXXX regarding termination of lease requested by me. XXXX and agent refuse to respond back and communicate with me. Needing further info on the return of products but no further information has been given. Left multiple messages with no response to my request.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MS)

For almost two years now, I have been unable to receive my credit report from Equifax online through the customer portal. I have called four times within the month of XX/XX/XXXX, and have been informed that someone would reach out to me within the next 3-5 business days. However, I never received a call or email. I called again towards the end of XXXX and I was informed to send a copy of my DL, W-2 ( for proof of social ), and a utility bill to verify that I am the correct account holder. After doing so, I am still not able to access a credit report nor score through the portal. I am also not able to view an Equifax credit report on myannualcreditreport.com either. The last thing reported on myEquifax.com was dated for XX/XX/XXXX. This report even had fraudulent activity on it. I have never owned an XXXX XXXX credit card for XXXX. They XXXX have gotten my information mixed up with someone else, but I'm not sure how. Over the past 2 years, I have had a lot of fraudulent activity on my report, and it is very suspicious that this seemed to happen around the time that I have not been able to access to Equifax. Now, I access all reports through XXXX and IXXXX, and it is very suspicious as to why I can see things reported on their website, but not through Equifax itself.
Consumer complaint received 2024-01-12
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. (TN)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-23
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: Bread Financial Holdings, Inc. (PA)

s ) 2 ) Comenity Capital Bank/Ulta-Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. XXXX removed account from Credit Report but XXXX and XXXX did not. ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by XXXX XXXX XXXX  )
Consumer complaint received 2024-01-16
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-02
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 recently reviewed again my XXXX, XXXX and Equifax credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (FL)

Per Family Educational Rights and Privacy Act 1974 The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b )
Consumer complaint received 2023-09-15
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (MD)

I'm an XXXX XXXX XXXX  member that assumed a VA loan from Freedom Mortgage. The assumption process was extremely painful due to a lack of responsiveness from the lender. The seller has filed multiple complaints about that. 

This specific complaint is that now, after having assumed the loan, the company will not create an online account for me to view or pay my mortgage. They have online account access, but will not do it for an assumption. The company 's justification is that it's for security which makes XXXX  sense since the account is now tied to my individual profile with my SSN, unique password and two-factor authentication options. 

The company representatives have explained that I am not the only customer with this complaint but they are not willing to remedy the situation. My only ask is that they provide an online account option. But of course, based on the horrendous customer service of this institution I think all consumers should be warned not to do business with them.
Consumer complaint received 2023-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Dear PayPal Team, I am writing to express my deep concern and frustration over the permanent limitation placed on my PayPal account with the email address XXXX. I strongly believe that this decision was made in error, as I have not violated any of PayPal 's policies. 

I have been a loyal and responsible PayPal user for many years, and I have always ensured that all of my transactions and activities are in compliance with your policies. Therefore, I was extremely surprised and disappointed to receive notification that my account had been permanently limited. 

I would like to request that PayPal re-investigate my case and reconsider the decision to permanently limit my account. I am confident that upon further review, you will find that there was no wrongdoing on my part and that the limitation was placed in error. 

I would like to emphasize that my account has always been used in a legal and ethical manner, and I have never engaged in any activity that would be considered a violation of PayPal 's policies. 

I understand that PayPal takes its policies very seriously, and I fully respect the need to maintain a safe and secure platform for all users. However, I believe that my account was limited without proper cause, and I would appreciate the opportunity to have my account restored if possible. 

Thank you for your time and attention to this matter. I hope that we can resolve this issue in a prompt and satisfactory manner. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2024-05-03
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)

I am writing to provide an update on my ongoing efforts to remove this charge off account listed on my credit report. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to resolve this matter. 

I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the account remain on my credit report, negatively impacting my creditworthiness and financial standing. 

This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly corrected to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to remove this account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-13
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. (MO)

I am writing to express my dissatisfaction with the handling of my credit report and the multiple, unsuccessful attempts to correct inaccurate information related to removal of the charge-offs accounts. It has come to my attention that despite repeated efforts, these issues persist on my credit report, adversely affecting my creditworthiness and financial standing. However, these removal have not been reflected, and the incorrect information remains, impacting my credit score negatively. I have noticed inaccuracies regarding charge-offs on my credit report. Despite providing documentation to support the resolution of these accounts, the charge-off status persists, and I have observed no improvement in the reporting. Furthermore, attempts to rectify inaccuracies regarding these accounts have been unsuccessful. The persistence of this misinformation is not only frustrating but also detrimental to my financial standing. I kindly request a thorough and immediate investigation into these matters. Additionally, I expect timely updates on the progress of the investigation, including any actions taken to correct the inaccuracies on my credit report. To aid in your investigation, I have attached supporting documentation. I am asking for your assistance to remove the charge off accounts in my credit file : XXXX XXXX Balance : {$250.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2024-05-02
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. (OH)

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.