davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

I have XXXX charges for XXXX dollars made in my PayPal which I didnt authorize, I believe someone got into my account and authorized sending those payments. 

PayPal automatically has a habit with siding with the seller on fraudulent charges. I want my money back.
Consumer complaint received 2023-11-30
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 not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. Concerning the accounts listed below as a consumer i'm demanding a deletion of these accounts.I demand that the following accounts be verified or removed immediately.Please remove any fraud alert from my account asap.
Consumer complaint received 2023-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (OH)

Number keeps calling me for a fake company, requests that I call a different number to collect a debt and make payments immediately. I am on the national do not call registry and also have 0 debts. I called to let them know I would be reporting and they got abusing and hung up on me. Phone number is XXXX ( XXXX ) XXXX
Consumer complaint received 2023-08-11
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: LJ Ross Associates (IL)

My name is XXXX XXXX i informed XXXX XXXX XXXX XXXX also the credit bureaus that my identity was stolen and my information have been compromised into several data breaches and also someone fraudulent accounts have been opened without my knowledge they said they will investigate and they claim they did but i dont have a resolution into this matter under the fcra it states 15 U.S Code 1681s-2 a person or company shall not furnish any information relating to a consumer to any consumer reporting agency if the information is inaccurate i would like these fraudulent accounts removed please because its hurting my credit profile and effecting my ability to take care of my family i filed a police report the police report number XXXX i even sent them copies of the report and have supporting documents and they claim after the investigation everything true and accurate also i have cleared up the matters with XXXX  but XXXX  is still reporting it on my credit reports XXXX  and XXXX  removed it already also i informed the credit bureaus about an unauthorized inquiry i found on my report told them to remove it but its still on my credit report
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (MD)

Dear Sir/ Maam To whom it may concern, I have a few late payments to my XXXX # : XXXX which is now current and up-to-date payments immediately executed. On XX/XX/XXXX my wife XX/XX/XXXXunexpectedly. 
Her XX/XX/XXXXwas and still is a severe setback for me in many ways. She was the finance specialist of the household and I did not handle bill payments for almost XXXX decades. 
Her XX/XX/XXXXunfortunately deeply affected my bill-paying capabilities. Not financially, but just learning the strategy of paying. 
Our mortgage was set up with an institution that closed or inactivated our account upon notice of my wifes XX/XX/XXXX. 
The majority of our bills like this one are on auto-pay. By inactivating the account ( un unknown to me ) while the funds were in the account the mortgage payments were not processed. 
As soon as I was notified ; the problem was corrected and I have set up autopay once again now with XXXX. I have also written XXXX, XXXX, and XXXX to rectify the credit issue. 


Thank you in advance for your assistance to resolve my situation. 

XXXX XXXX XXXX XXXX XXXX. 
XXXXXX/XX/XXXXXXXX XX/XX/XXXXMD. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Acct # XXXX
Consumer complaint received 2023-09-04
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 am writing to convey my profound frustration and disappointment concerning the lingering presence of charged-off accounts on my credit report. I have previously raised disputes regarding these accounts on multiple occasions, offering comprehensive explanations regarding the Fair Credit Reporting Act ( FCRA ) violations perpetrated against me. In this complaint, I have gone the extra mile by accentuating these violations with supporting exhibits and attached documents. Despite my persistent efforts to address this issue, these charged-off accounts persist on my credit report, inflicting significant harm on my financial reputation. I strongly implore you to conduct a thorough investigation into this matter, rectify the FCRA violations, and ensure an accurate reflection of my financial history in my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00}.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I reached out to XXXX, XXXX and Equifax during the months of XXXX, XXXX and XXXX in 2023. They made it increasingly difficult for me to manage my credit report and file. I was seeking to dispute inaccurate items on my report that I noticed. They informed me that my file has to be reviewed by a fraud agent, and when I asked for an explanation, I was not given a sufficient answer.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2024-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management (AL)

The collection agency is Plaza Services , LLC. I have not received any communication from them at all about this supposed debt that is not on any credit report from any credit reporting agency. I have not received any letters in the mail, I have received no phone calls from them, nor have I received emails. They reported only to XXXX last month per that credit report. It has been over a month with no correspondence from them. All reviews on XXXX and the Better Business Bureau lead me to believe that this is a scam agency.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

According to section [ 15 U.S.C. 1681 ] ( 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. 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. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have sent the credit bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit reports however are still inconsistent and showing inaccuracies. Let it be duly noted CREDIT REPORTS DO NOT ISSUE FULL ACCOUNT NUMBERS for security & fraud purposes. ( XXXX ) XXXX XXXX. Account # XXXX Address [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phn # XXXX ] Balance {$700.00}. Inconsistencies shown for payments made said to be late on XX/XX/XXXX & XX/XX/XXXX. Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( XXXX ) XXXX XXXX Account # XXXX Address [ XXXX XXXX XXXX XXXX XXXX VA XXXX Phn # XXXX ] Balance {$160.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX. ( XXXX ) XXXX XXXX Account # XXXX Address [ XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phn # XXXX ] Date Opened : XX/XX/XXXX. Date Closed was changed & DOES NOT SHOW for this account. XXXX {$20000.00}. ( XXXX XXXX XXXX XXXX XXXX. Account # XXXX Address [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, Phn # XXXX ] Date Opened : XX/XX/XXXX. Date Closed : XX/XX/XXXX XXXX {$0.00}. All of these items show for a XXXX XXXX XXXX. My name is XXXX XXXX XXXX '' XXXX. This could potentially be someone else, giving me additional questions to validity of this report.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I spoke with XXXX at Experian the week of XX/XX/XXXX. I informed her that the info on my report is incorrect and some fraudulent. I told her the correct address, phone number, email address, and employer that should be in there. The other addresses are non mailable addresses. I was informed it would be updated and removed. I then asked for a copy once updated, because I am aware it literally takes XXXX hours and this was not done. I even gave it XXXX weeks to ensure it was done. I check today which is XX/XX/XXXX and it still reflects old and inaccurate info. Not to mention XXXX told me it would only take no more than XXXX hours to update.
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I first announced to all three credit bureaus that I NEVER applied to Bank of America for a credit card. This has been going on since XXXX, XXXX, I did file a fraud report ; however Bank of America is still on my credit reports. 

Every time I receive a piece of mail from Bank of America, I always return it to the sender. On XX/XX/XXXX, I received another piece of mail from Bank of America for which I wrote on it " I DON'T HAVE AN ACCOUNT WITH YOU! STOP SENDING MAIL TO MY HOME!! '' Now I find out that Bank of America, has been opening fake accounts in peoples name. 

I NEVER RECEIVED OR USED A BANK OF AMERICA CREDIT CARD. MY CREDIT REPORT SHOWS NO ACTIVITY. WAS THE CARD ACTIVATED OR WHAT!
Consumer complaint received 2024-04-10
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. (NC)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2023-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

Took out a parent plus loan for my son XXXX XXXX, {$13000.00} dollars, for him going to XXXX XXXX XXXX university. I filed for XXXX XXXX XXXXXXXX paid the loan, have receipts from the trustee payments going out to fedloan servicing in XXXX XXXX Called Mohela since they took over the loans and transferred all of them. This was a high priority from my lawyers to the trustee and fed loan department. All payments were made. To this day they still show as not being paid, on my account and my sons account since I co-signed. I have all the paperwork. I need assistance. Im now retired marine with minimum income coming in. 100 percent XXXX XXXXXXXX. 
Thank you XXXX
Consumer complaint received 2024-07-20
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. (OK)

unfortunately, I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you verify the documentation, please? Some of the listed accounts contain inaccuracies in their reporting. I anticipate receiving {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

on XX/XX/2023 i informed XXXX  to know that i received a credit report that had several inaccurate information on it such as several names and addresses that wasnt mines i stated that the company ( XXXX  ) should remove these due to the FCRA obligating credit agencies to report accurate information in which i recieved a updated report that still had several inaccurate addresses and names as well as employment innaccuracies. 15 usc 1681n states that a credit agency SHOULDNT BE WILLFULLY NON-COMPLIANT if that said agency ( XXXX ) is being non compliant thats punishable up to 2years or a XXXX $ fine per inaccuracy
Consumer complaint received 2024-04-10
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. (AR)

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.
Consumer complaint received 2024-01-18
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)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

Companies Involved : XXXX, Equifax and XXXX. 
Over one year ago I noticed a filed bankruptcy paper on all three of my credit reports. Immediately I began contacting the agencies about the problem. Upon XXXX disputes these XXXX items are still present on my report. This matter has affected me and my family dramatically. I'm unable to get employment in my line of work, Housing etc. Under the FCRA act all three agencies must remove in accuracies. 
( XXXX ) Bankruptcy XX/XX/XXXX reference number # XXXX ( XXXX ) Bankruptcy XX/XX/XXXX reference # XXXX I've contacted the court to verify they told me they could not give out that information. 
If not resolved my next step will be a lawsuit with small claims court.
Consumer complaint received 2024-04-10
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. (SC)

Subject : Formal Complaint Regarding Fraudulent Unauthorized Hard Inquiries by XXXX XXXX and XXXX on Experian Credit Report Dear Sir/Madam , I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding fraudulent and unauthorized hard inquiries on my Experian credit report. On XX/XX/2024, I discovered unauthorized inquiries made by both XXXX XXXX and XXXX, which have adversely affected my credit score and financial standing. As a resident of South Carolina, I am cognizant of the credit laws both at the state and national levels that safeguard consumers from such unauthorized inquiries. Under the Fair Credit Reporting Act ( FCRA ) and South Carolinas consumer protection laws, consumers have the right to dispute inaccurate information on their credit reports and have it rectified or removed promptly. The unauthorized hard inquiries conducted by both XXXX XXXX and XXXX not only contravene these established consumer protection laws but also erode the trust and reliability of the credit reporting system. It is imperative that immediate action is taken to rectify these incidents and expunge the unauthorized inquiries from my Experian credit report. I request that the Consumer Financial Protection Bureau intervenes on my behalf to ensure that both XXXX XXXX and XXXX adhere to all pertinent laws and regulations and take prompt action to remove the unauthorized inquiries from my credit report. Additionally, I expect comprehensive written explanations from both entities regarding the unauthorized inquiries and demand that appropriate measures be implemented to prevent future occurrences. Please give this formal complaint your utmost attention and expedite the resolution process, as the integrity of my credit report and financial stability are in jeopardy. I appreciate your prompt assistance in addressing this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-04-10
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)

Dear Credit Bureau : I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


Best Regards XXXX XXXX
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bread Financial Holdings, Inc. (MI)

On XX/XX/year> I requested a copy of the XXXX XXXX XXXX to verify that the debt was purchased significantly lower than the amount they say I owe them. And further they have put a lien on my primary residence