davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 



XXXX. **Date of Last Activity : ** There's a discrepancy in the reported date of last activity among the three credit bureaus ( Experian, XXXX XXXX XXXX XXXX. Consistency in reporting is essential for accurate credit information. 

XXXX. **Date Reported : ** The date reported varies across the bureaus, with one bureau reporting a significantly later date than the others. This inconsistency might require clarification or correction. 

XXXX. XXXXAccount Status : ** While all three accounts are reported as closed, there's a discrepancy in the payment status. One account is reported as " Current, '' one as " Late 90 Days, '' and the other as " Closed or paid accountXXXX balance. '' Clarification on the accurate payment status is needed. 

XXXX. **Creditor Remarks : ** The remarks provided by the creditors differ across the bureaus. These remarks should accurately reflect the account 's status and might need alignment for consistency. 

XXXX. **Credit Limit : ** There's a discrepancy in reporting the credit limit, with one bureau reporting a {$0.00} credit limit. Ensuring consistency in reporting this information across all bureaus is important. 

XXXX. **Payment History : ** Different late statuses ( 30, 60, 90 days ) are reported across the bureaus for specific months. Consistency in reporting these late statuses is crucial for accurate credit reporting. 

XXXX. **Dispute Status : ** Although the dispute status mentioned is " Account not disputed, '' if there are inaccuracies or discrepancies.
Consumer complaint received 2024-01-02
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: Experian Information Solutions Inc. (TN)

My XXXX loan account is on a forbearance, no payment is due while the account is being consolidated. My account is showing a past due amount due for the months of XXXX and XX/XX/XXXX. Please remove the negative credit rating from those two months. No payment is due on this account until XXXX XXXX. 

My account has never been late, I have never not paid. The account is on a forbearance please correct my credit rating.
Consumer complaint received 2024-01-02
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. (NC)

XXXX XXXX {$3800.00} REMOVE ACCOUNT XXXX XXXX XXXX {$25000.00} REMOVE ACCOUNT XXXX XXXX {$10000.00} REMOVE ACCOUNT XXXX XXXX {$1100.00} REMOVE ACCOUNT XXXX {$760.00} REMOVE ACCOUNT XXXX XXXX {$3400.00} XXXX  XXXX {$1500.00} I requested for the credit bureaus to send copies of documentation with my signature of the accounts they claim I owe and they refused.
Consumer complaint received 2023-03-17
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)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX ) Account number : XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX XXXX  Account number : XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-19
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: Experian Information Solutions Inc. (CA)

I have been having issues with the 3 credit agencies removing inaccurate accounts from all 3 of my credit profiles. For example recently a collection just posted to my credit reports and I disputed it with them and Experian has completed the investigation in 2 days and deleted it off my profile but still having trouble with the other agencies. Then I had another account from XXXX XXXX XXXX that I paid off and actually entered a lawsuit and won monetary compensation but the account is still showing up on one of my credit reports even though it was removed off others
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Mercury Technologies, Inc. (CA)

XXXX initiated an ACH to my bank at Mercury on XX/XX/XXXX. These are routine deposits that typically land the next business day. After being told to wait XXXX business days i followed up with the trace id from XXXX. Mercury said they couldnt locate it and sent me back to XXXX. The team there immediately escalated the situation to XXXX, their payment processor, and came back with the same trace id letting me know it was successfully processed on their end. After going back to mercury bank, they finally said they escalated it and would get back to me in 48 hours. The 48 hours has passed and I still do not have the {$2500.00} available in my account. Mercury bank was first alerted to this on XX/XX/XXXX and has not disbursed my funds or have been able to provide any updates.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX has refused to properly update my student loan balance on my credit report for four months now, and they flat out refuse to help when I call them. Once again, my credit reports are incorrect, and the only way to attempt to fix them is to waste my time filing a dispute with the credit agencies. 

It is impossible to get a hold of a representative at XXXX who can actually do anything to help. It is near impossible to get a hold of any representative at all. They will claim that they are busier than usual, and they are sorry for the inconvenience, but they know darn well that they refuse to hire enough people to handle the job, and train them well enough to do actually do anything remotely helpful. They have no problem wrecking people 's credit scores, as there is no consequences for their actions. This is a scam, and XXXX does not deserve to stay in business.
Consumer complaint received 2024-04-13
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. (GA)

am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and fraudulent accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. As this my 3rd time trying to remove these items so I can buy a homeThis is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC (MI)

Early Warning is reporting my open active accounts with XXXX XXXX XXXX. Ifeel it I violation since they report my direct deposit information an d open active saving accounts. They are reporting purged and closed account that can not be verified or proved. They are reporting repeats of my open active account with XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

1. **Date of Last Activity : ** There's a discrepancy in the reported date of last activity among the three credit bureaus ( Experian, XXXX XXXX XXXX XXXX. It's important for this date to be accurately reported and consistent across all bureaus. 

2. **Payment History : ** The payment history is not consistent across the bureaus. While some months show different late statuses ( 30, 60, 90 days late ), others show no reported history. Ensuring accurate and consistent reporting across all bureaus is essential. 

3. **Account Status : ** The reported account status seems inconsistent or contradictory between the remarks and the reported payment statuses. The account status should reflect the actual payment history and current situation accurately. 

4. **Closed Date and Account Status : ** There's an inconsistency between the reported closed date and the account status, especially with the remark " Account has been closed due to inactivity. '' It's important to clarify whether the account was closed due to inactivity or as a charged-off account.

5. **Creditor Remarks : ** The creditor remarks vary across the bureaus, with different statements about the status of the account. It's important for these remarks to accurately reflect the actual circumstances surrounding the account.

6. **Credit Limit : ** There's inconsistency in reporting the credit limit, which should ideally be accurately reflected across all bureaus.

7. **Dispute Status : ** Although the dispute status mentioned is " Account not disputed, '' if there are inaccuracies or discrepancies
Consumer complaint received 2024-01-02
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: Experian Information Solutions Inc. (NJ)

XXXX XXXX  This information is incorrect, I was never late on this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (TX)

I'm writing about a troubling issue with my credit file. I've discovered a collection entry from your agency that I was never notified about. I also have significant doubts about the validity of the claimed debt. Under the Fair Debt Collection Practices Act, I'm entitled to request debt validation. I formally ask you to provide the necessary validation and address this matter appropriately.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

My credit report is showing that my XXXX XXXX account was charged off in XXXX of XXXX when in fact it was charged off in XXXX of XXXX. I have verified with XXXX XXXX that the account was charged off in XXXX of XXXX so I don't know why it is showing up that way.
Consumer complaint received 2024-01-02
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. (IL)

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and distress
Consumer complaint received 2023-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VYSTAR CREDIT UNION (GA)

The letter that was sent to me states this was for VyStar credit union. I dont owe them a dime me and my husband walked into the establishment and close the accounts. Anything that was owed we paid at that time I have not had an account any other time with this company the only time Ive done business with VyStar is back in XXXX I have never done business with XXXX XXXX XXXX. The correspondence they sent had my maiden name on it. Ive been married for over XXXX years and wouldnt have anything with my maiden name on it. The claim they are coming after me with would be over XXXX XXXX XXXX at this point.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I had an auto loan with XXXX XXXX XXXX. At some point my account was taken over by XXXX. I missed a payment in XXXX of XXXX due to being bed ridden with a high risk XXXX & unable to work. I was in communication with XXXX & I was under the impression that I was granted a forbearance. I've talked to XXXX to no avail for XXXX. In XXXX of XXXX I had finally gotten ahold of a supervisor in the collections department that was able to help me after many others had claimed there was nothing that could be done. I squared everything away & after not being able to explain why there were XXXX late payments, she had agreed to remove them from being reported to the CRAs. I was told to check back in XXXX to be sure. I did, & I was reassured They were removed. Now XXXX of XXXX & they're still reporting. I spoke with all XXXX CRAs after disputing & uploading proof of payments for those XXXX. Experian notified me that they validated the debt, I sent in a request of validation & their method of validation but did not receive anything other than updated comments saying they were verified by the creditor. I spoke with XXXX again, & they're now stating there's nothing they can do about what the previous supervisor told me. Even though experians report for that account shows what day the payments were made & for how much. Which coincide my payment records for the months being reported late. The only payment that was late was XXXX & their not even reporting it as late for that month. The report in its entirety is inaccurate. Everytime I call any of the XXXX companies im XXXX  & told different things by each representative but ultimately get no resolution. My payment is {$370.00} per month, I've always paid XXXX. If I were actually behind XXXX they would have certainly come & gotten the vehicle. XXXX & the XXXX CRAs reporting inaccurate information is unfair & XXXX  my credit worthiness to buy a home. I would like the steps needed to file suit against all XXXX companies as well as these false late payments to be removed.
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

HELLO XXXX, XXXX XXXX XXXX XXXX XXXX I WANT TO REPORT THE PAYPAL COMPANY BECAUSE THEY STEAL MY MONEY WORTH XXXX LAST XX/XX/year> MY ACCOUNT PAYPAL ACCOUNT WAS PERMANENTLY LIMIT LAST XXXX WITHOUT ANY REASON THEY ASK ME TO SUMBIT SOME IDENTICATION ID SO I CAN USE MY PAYPAL AGAIN BUT SUDDENLY THEY JUST PERMANENTLY LIMIT MY ACCOUNT I HAVE XXXX USD ON MY ACCOUNT AND THEY TOLD TO ME THAT I WILL GET MY MONEY AFTER 180 DAYS THEY WILL EMAIL ME HOW TO WITHDRAW IT AND I CHECK MY ACCOUNT LAST XX/XX/year> ITS 180 DAYS OF MY ACCOUNT AND IM SHOCK THAT THE FUNDS LOST AND PAYPAL TOOK IT WITHOUT TELLING TO ME HOPE YOU WILL GON NA HELP ME NAME ON PAYPAL ACCOUNT : XXXX XXXX TRANSACTION ID XXXX AMOUNT PAYPAL TOOK : XXXX HOPE YOU HELP ME SIR/MAAM BECAUSE MANY PAYPAL USERS LOST THERE MONEY AND PAYPAL COMPANY VICTIMIZING THE PAYPAL USERS THEY GETTING TONS OF MONEY OF THERE CONSUMERS
Consumer complaint received 2024-01-02
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: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

Jefferson Capital reported an account ( ref number XXXX ) in collections from XXXX XXXX. 

XXXX XXXX was removed as a fraudulent account taken out by XXXX XXXX on XX/XX/2022. I sent this information to Jefferson Capital and they have not removed the account.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (PA)

This is a formal cease and desist letter for my JPMCB account. The errors on my credit report regarding an account that has been inaccurately reported and very damaging. The account in question has been charged off for more than 7 months for this year alone, which isn't accurate reporting. 

As per the Fair Credit Reporting Act, it is imperative that all information reported on my credit report is accurate and up to date. The continued incorrect reporting of this account is a violation of this law and is causing harm to my financial reputation. This account was deleted months ago but, was reinserted on my credit report which is another violation. 

I hereby request that you immediately cease and desist reporting this inaccurate information to all major credit reporting bureaus and discontinue communication with me. As outlined in Daugherty V. convergent Outsourcing inc, 836 F.3d 507 ( 5th Cir. 2016 ), a consumer report is a medium of communication and thus subject to cease and desist requirements.
Consumer complaint received 2024-04-13
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)

I am writing to lodge a formal complaint against Experian, XXXX, and XXXX for multiple violations of my federally protected consumer rights as stipulated under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681, 1681i ( 5 ), and 1681s-2 ( A ) ( 1 ).

I have previously contacted Experian, XXXX, and XXXX to reinvestigate inaccuracies in the reporting of my account details. The accounts in question are as follows : ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX Despite my explicit requests for reinvestigation, all three agencies have concluded that the information was complete and accurate. This conclusion is impossible, given that the data concerning open dates, dates of last activity, among other details, are incorrect. This misreporting is a direct breach of 15 USC 1681i ( 5 ), which mandates that consumer reporting agencies must correct and update incomplete or inaccurate information. 

Furthermore, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is unlawful for any person to furnish information to a consumer reporting agency if they know, or should know, that the information is inaccurate. It is evident that this statutory requirement has been disregarded, thereby jeopardizing my right to privacy and confidentiality, as well as exposing me to potential financial and reputational harm.
Consumer complaint received 2023-04-29
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. (MI)

In accordance with the Fair Credit Reporting Act, TransUnion, XXXX and XXXX have violating my rights by publishing inaccurate information about me and my account with XXXX XXXX XXXX XXXX. 

I was one of the thousands of consumers affected by XXXX XXXX XXXX XXXX deceptive business practices. I made my payments on time and XXXX XXXX intentionally altered, delayed the payments so they would appear late. I disputed and complained many times to the credit bureau the inaccurate XXXX XXXX XXXX XXXX information in my credit file but I am continuously ignored. 

Can you help me? 

XXXX XXXX XXXX XXXX  Account number beginning XXXX