davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX  has XXXX my rights. XXXXUSC XXXX  sectionXXXX States I have the right to privacy. 15USC XXXX section XXXXXXXX XXXX Section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC XXXX : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NY)

Venmo has suspended my account and I have a money balance there that I can not move to my bank account neither withdraw it. I have been emailing and calling and the only answer I get is that I have to wait.
Consumer complaint received 2024-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

My student loans were consolidated with MOHELA in XX/XX/XXXX along with my XXXX application. In XX/XX/XXXX I received a notice that my consolidation was approved but that my XXXX application needed revision from my employers. I contacted my employers and asked them to complete and submit the revisions. In XXXX of XXXX there was no change to my application status. After several attempts to contact Mohela and hours-long waiting time on the phone, I was told that my employer information still had not been updated. I again reached out to my employers and resubmitted the application. Since XXXX, I have resubmitted my XXXX application XXXX more times along with employer information. I also have submitted the IDR income-driven repayment application 3 times along with updated pay information. Despite all my efforts and numerous phone calls, none of my applications have been updated by Mohela. When I last contacted them in early XX/XX/XXXX, they stated that they were going to place me in administrative forbearance while they process my XXXX and XXXX applications. However, My account states that I owe a payment of {$420.00} due XX/XX/XXXX ( more than XXXX the amount stated in the XXXX application ). I contacted Mohela again by phone on XX/XX/XXXX ; again, they stated that I was in administrative forbearance and that I did not have a payment due ; they stated they would correct the amount due on my account profile. As of today XX/XX/XXXX, my account balance still shows an a payment of {$420.00} due XX/XX/XXXX. My payment amount, loan balance, and XXXX qualified payment months are all incorrect. While I am waiting for Mohela to correct these problems, I am being charged additional interest for an incorrect loan balance.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

EXPERIAN XXXX XXXX XXXX OF XXXX is breaking the consumer law pertaining to Acct # XXXX and any other accounts. I've uploaded documents thats confirming and the law their VIOLATIONING XXXX DEMANDING this ACCOUNT corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE XXXX XXXX & XXXX
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidently under 15 USC 1681. XXXX XXXX XXXX XXXX portfolio recovery XXXX last XXXX of the account number XXXX amount {$690.00}, date XX/XX/XXXX current balance {$690.00}. XXXX credit management last XXXX of account number XXXX amount {$960.00}, date XX/XX/XXXX. Original lender : XXXX XXXXXXXX. agency name XXXX XXXX date XX/XX/XXXX. Original balance XXXXcurrent balance XXXX 15 U.S c 1681 section 602 A state I have the right to privacy.
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX  XXXX XXXX, XXXX XXXX Date Open : XX/XX/XXXX Balance : {$36000.00} and XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$0.00}. Please update this account. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2024-04-17
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)

XXXX is stating that I owe them XXXX for phone service. I requested information on home internet service and have not activated any service with them. They are reporting that I owe them this money on my credit report. I spoke with XXXX in XXXX and their XXXX  stated they would correct this problem. I recently found they transfered this account to collection and posted it to my credit report. I notified the collection agency to provide with me with an activated account for this money. They will not be able to, I have never activated this account with XXXX.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I XXXX XXXX demand that all late payments be removed from my consumer report because the term consumer report does not contain information about transactions or experiences between i the consumer and the creditor, pursuant to 15usc 1681 ( 2 ) this is an improper use of my consumer report.
Consumer complaint received 2024-01-06
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)

Attorney general is reporting my payment for XXXX as late, I disputed with proof ( bank statements and payment confirmation emails ) showing that I in fact was not late on my payment, Experian sided with them even though I gave ample proof.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This company is reporting information that for one doesn't belong to me and inaccurate addresses as well. Who is this company? Are you able to give me information on them? They are reporting an eviction thats inaccurate and I never gave them permission to report anything on my behalf! I have never heard of this company and I am a victim of identity theft! Please advise me why and who this company is reporting false information.
Consumer complaint received 2024-06-15
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. (IN)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.
Consumer complaint received 2024-01-06
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)

For a number of years, Ive been XXXX  and have not been able to have access to apply for any accounts due to my absence. They were quite a few accounts open in my name, and I gave no one authorization to do so. I also sent in the police report and called these companies, Also sent letter to the credit bureaus but they have failed to remove these items off my credit report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX and its been past 30 days since I reach out any response
Consumer complaint received 2023-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (MD)

In early XXXX I attempted to create a XXXX account for internet. When the XXXX representative came to my house, he told me XXXX XXXX was impossible in my residence, and they would notify me if/when the XXXX was possible. 

At that point I did not have a XXXX account I could access. When attempted I was confronted with account unavailable, and will be available when you purchase a service. 

Months later, I received a collections letter from a company stating it was attempting to recover a debt to XXXX. 

This letter was neither sent to my residence, nor emailed. Instead it was sent to my parents residence. Which was not the residence of the requested XXXX  service. 

I became aware of the collections when I was notified my credit had been brought down XXXX points, I decided to investigate. I contacted the company recovering the debt, and we ended the conversation saying they would look into it, and get back to me. They never got back to me, and within a week my credit had recovered to above 700 where it was previous to the fraudulent collection. 

In XXXX XXXX XXXX, I recorded a second collections letter claiming they were attempting to recover a debt for XXXX, for over XXXX $ of what the initial service was supposed to cost, due to interest and fees. 

Given this matter was resolved and XXXX itself refuses to speak to me on the matter. I have decided to take this step to resolve this once and for all.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian / XXXX XXXX is breaking the consumer law pertaining to Acct # XXXXXXXX XXXX XXXX  and any other accounts I've uploaded documents thats confirming and the law their VIOLATIONING IM DEMANDING this ACCOUNT corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE 15 COMMERCE & TRADE!
Consumer complaint received 2023-10-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (NY)

On XX/XX/ I got a loan at XXXX in XXXX XXXX Ny for a used XXXX XXXX XXXX  that had XXXX miles. I was under the assumption I was paying {$13000.00} for this vehicle. All said Im down the interest was over {$10000.00}. So the car was then set at {$26000.00}. I currently owe {$23000.00}. My car is only worth $ XXXX {$5000.00}. Im paying way over what the car is worth. Between XXXX XXXX XXXX XXXX XXXX my car increase {$280.00}. I do not want to pay {$23000.00} for a car that is worth {$4000.00}
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
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. (FL)

Ensuring punctuality in my payments is a priority. However, what perplexes me is the occasional reporting of late payments by this company, contrary to my records. As per XXXX XXXX, rectifying billing errors promptly and reflecting payments accurately is mandatory.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

( 15 u.s. Code 1602p ) The term " unauthorized use, '' as used in section 1643 of this title, means a use credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

( 15 USC 1692b ) Not state that such consumer owes any debt ; Analysis a debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another party 's ability to identify him, and the collection laws of his or her state allow the same.

Telling a 3rd party that you owe a debt is illegal! First, it may not be true thus unjustly damaging your reputation and second, it is simply nobody else 's business. 
" XXXX XXXX XXXX '' CAN NOT PROVIDE A CONTRACT PROVING ANY BUSINESS I HAVE DONE WITH THEM. I DO NOT OWE ANY MONEYS TO SAID PARTY.

15US CODE 1692J ( A ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

Recently i did an investigation on my credit report, which caused XXXX XXXXXXXX and found unverifiable, invalidated, inaccurate and questionable items that your agencies did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, everything has to be 100 % on my credit report and under 15U.S.Code 1681e ( b ) and 15U.S.Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-08-21
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX  debt XXXX, which falls under XXXX  -Debt Final Rule XXXX. XXXX ( b ) ( XXXX ) XXXX - XXXX ( b ) ( XXXX ) XXXX. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX  account # XXXX {$220.00}, XXXX account # XXXX {$0.00}, XXXX # XXXX {$860.00}, XXXX  account # XXXX {$55.00}, XXXX XXXX account # XXXX {$30000.00}, XXXX XXXX XXXX {$9500.00}.
Consumer complaint received 2024-01-06
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)

I am writing to urgently bring to your attention a serious violation of the Fair Credit Reporting Act ( FCRA ) by XXXX in reinserting an account on my credit report without providing the required notice within the stipulated timeframe. 

On XX/XX/2023, I initiated a dispute with XXXX regarding an account ( Account number : XXXX ) reported on my credit report, and as a result of the investigation, I was informed on XX/XX/XXXX that the account had been deleted from my credit report by XXXX and XXXX. However, to my dismay, I have recently discovered that this item has been reinserted on my credit report. 

In accordance with the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), XXXX is obligated to notify me of the reinsertion in writing within 5 business days. Quoting the relevant section of the FCRA : " ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer : If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' Regrettably, I received no such notification from XXXX, a clear violation of the FCRA. I must emphasize that this is a severe breach of consumer rights and a blatant disregard for the law. I reserve the right to pursue legal action to address this matter. 

I hereby demand that XXXX immediately deletes the reinserted item from my credit report to rectify this violation. I have also submitted this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX XXXX XXXX 

Enclosed with this letter are copies of the original dispute submitted to XXXX, supporting documentation, and the investigation results from XXXX and XXXX. I kindly request your prompt intervention and assistance in resolving this matter. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I have tried contacting the company several times through mail and CFPB AND NOTHING GETS RECTIFIED THEY SAY THEYVE DONE A FULL INVESTIGATION AND JUST UPDATE THE NUMBERS ON MY CREDIT REPORT
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (OH)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX