davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ID)

Experian Credit Reporting Service reported a new collection on my credit report opened XX/XX/XXXX by XXXX XXXX  at XXXX, address : XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX for a debt of {$730.00} that showed past due as of XX/XX/XXXX from the original creditor : XXXX XXXX XXXX XXXX, XXXX, LA XXXX due to this report Experian lowered my FICA score XXXX points. I disputed the report to Experian and they said it would remain on my report until XX/XX/XXXX. I then reported it to their Fraud section where they took my report and suggestion I submit a report to your agency. I called the XXXX number listed above for XXXX XXXX and they said they have no record of me. I tried to contact XXXX XXXX XXXX XXXX and can find no phone number on them. I googled both companies and found numerous complaints on both for fraud, some of which where the same complaints I have. I have never received a bill or call about this debt and haven't been anywhere within a XXXX miles of Louisiana in XXXX  years. I am XXXX XXXX XXXX and a XXXX  year veteran of the XXXX. I believe this is a scam by either XXXX XXXX or Experian who have been trying to get me to pay {$29.00} a month to upgrade my monitoring membership to Experian XXXX for about XXXX years now. I am very careful to protect my good name and pay all my bills in a timely manner. These false reports keep me awake at night trying to figure out what is going on. Any assistance you can give me will be greartly appreciated.
Consumer complaint received 2023-12-20
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. (KY)

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. 


Account XXXX : XXXX Account XXXX : XXXX has violated my rights. Or 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 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery has been harassingly me concerning this debt that is not mine. I have tried to dispute and even requested that verification be sent, they are constantly calling me from various numbers and on one particular call even insinuated that I would be served by a sheriff. Even disputing this debt several times, they are not validating this. They sending some statements that appear to be from years ago. I have requested to have any original paperwork, contracts, applications with my signature to prove that this debt is mine, which it is not and yet to receive any of that. This has become too much. They keep updating this on my credit profile, stipulating that it is open, how can an open account be in collections from years ago. It is so much going on with this collection company. Sending me statements with some unknown address does not validate the debt is mine. The harassments and sending statements needs to stop.
Consumer complaint received 2023-11-09
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

My Pennymac Mortgage payment was made online on XX/XX/2023. Due to a bank delay in processing a deposit made on XX/XX/XXXX which was suppose to clear in time to cover payment for Pennymac made on XX/XX/XXXX my payment was reversed. 

A new payment was made on XX/XX/XXXX and processed, I was advised on XX/XX/XXXX the payment will take up to XXXX business days to process and I don't need to be concerned as they will make sure credit bureaus are updated to show payment was made successfully. 

As of today, XX/XX/XXXX XXXX has reported my payment was never made which is not the case and now my credit has dropped XXXX points as they can't give me an answer when they can update the bureas to reflect my account was paid Thanks XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

In accordance with the Fair credit reporting act XXXX XXXX XXXX XXXX, has violating my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A, section 2 : it also states consumer reporting agency can not furnished a account without my written instructions 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.
Consumer complaint received 2024-03-27
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 studying 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 XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-27
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)

I am a victim of Identity theft. My Identity was using to get credits and the theft tried to rent an apartment as well with my Identity I listed a couple accounts that was open fraudulently, I want them accounts removed off my credit profile it is affecting me real bad!
Consumer complaint received 2023-09-21
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

On XX/XX/2023, I expected a direct deposit of XXXX to hit my checking account as part of my regular pay schedule. When the funds did not appear in my account by [ date ], I contacted the bank 's customer service to inquire about the delay. I was told that they had not yet received the check but would release the funds immediately upon receipt. 

I waited until XX/XX/2023, around XXXX XXXX CST, and when the funds were still not available, I contacted customer service again. At this point, they repeated the same information and offered no further assistance or explanation for the delay. 

This has caused significant financial hardship as I have pending bills and financial commitments that are now at risk due to this unexplained delay. The bank 's Electronic Funds Transfer Disclosure states that any direct deposits received in my name would be processed immediately, but this has not been the case
Consumer complaint received 2023-09-21
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Landmark Strategy Group, LLC (MS)

Obtain loan from XXXX XXXX in XXXX. Loan was not paid off. XXXX XXXX XXXX XXXX aquired loan written off by Balance. I made several payments to XXXX XXXX XXXX XXXX but then they told me different stories on what would be acceptable to repay. Landmark Strategy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX acquired written off debt from XXXX XXXX XXXX XXXX. I received a phone call on XX/XX/XXXX from a representative at XXXX XXXX XXXX. They were seeking the full balance of over {$4000.00} I owed XXXX that has been written off by XXXX I informed the representative I would pay XXXX the amount they paid when the bought the debt plus 10 percent for a profit. They would not accept that. I then asked the representative if I paid the full balance, who would receive that money. The representative told me XXXX would receive the funds. That is an absolute and total lie. Its deceptive and not allowed under Federal Law. They have now are susceptible to being fined for providing false and misleading information. If the Federal Trade Commission has jurisdiction over this matter then it should be turned over to them for corrective action.
Consumer complaint received 2023-08-05
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX Balance : {$440.00}
Consumer complaint received 2023-09-21
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-24
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: Nicholas Financial Inc. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$160.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$820.00}, XXXX XXXXXXXX Balance : {$0.00}, LXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (GA)

I requested my personal checking statements from the company. I can not access them on the company 's online portal and they were never delivered to me any other way. I called the company 's helpline and they told me I needed to go into a branch to get them. Today I went in to a branch and was again told that they would not give me my statements. I also learned that they had been delivering my personal checking monthly statements to my mother and my brother without my permission for years. The company told me that they would not give me my statements but that I could request from them from my family members who had access to them even though I had not given them permission to have them.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I do not recognize these credit inquiries and I have asked for them to be removed and the bureaus have not done what Ive asked. I will be providing an identity theft report below and Im requesting them to be removed because their are inaccurate and not mines. 

XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently, a new account showed up on my Credit Report, Claiming to be a XXXX XXXX account I opened in XXXX. 
They claim an opening balance of {$22.00}, XXXX XXXX XXXX Balance of the same amount Claim Current amount owed of {$23.00}XXXX XXXX {$1000.00} more than the original amount. 
It is stated that I have no late or missed payments. 
There is no payment data for the past XXXX years up until about 4 months ago, at which point it states that my monthly payments of {$0.00} per month have been made on time. 

I have not been in school since XXXX, so there is no way I could have opened a student loan account. 

I have never heard of this company, XXXX. I have never entered into an arrangement of any kind with them. I have never been contacted by them. I have nothing in my email history with the word " trellis ''. 

I filed a dispute with TransUnion, letting them know that I do not know them and that I have not opened an account with them and that I haven ' ; t been in school ( thus unable to open a student loan ) since XXXX. I received a response a couple weeks later stating that no changes have been made to my credit as a result of the dispute, yet there was no information provided that supported their determination. 

So now I am fighting a losing battle with TransUnion about an account that just appeared out of thin air a few months ago, and I can't even get any reasoning from them. 
I tried disputing it again, but was told that I could not dispute it a second time. 

How do I prove that I Don't know the lender, did not open an account, etc? 

And how do I get Transunion to be transparent?
Consumer complaint received 2022-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ASTA FUNDING INC. (CA)

I have a letter from XXXX XX/XX/XXXX where they write : - The debt was paid in full. 
- We will not sell your accounts to a debt buyer or to any other company. 
However, they sold the account to Palisades Collection LLC due to the so-called pressure beforeand abusive, I paid {$7500.00} from XXXX until I found the letter from XXXX and still they sent me a letter that I owe them {$4100.00} account number XXXX I called themand I told they want a letter from XXXX so that they return themoney that I paid them for fear of damaging my credit. XXXX says that since they bought XXXX  XXXX they have no information, I have been demanding the return of the money paid unfairly for years.
Consumer complaint received 2023-10-29
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX, XXXX and XX/XX/2021 I became extremely XXXX  with XXXX. I was hospitalized in later XXXX to early XXXX, then on XXXX XXXX, Following my hospitalization I was on XXXX medications and weekly XXXX XXXX for my XXXX because I am XXXX. In XXXX I had a relaps and my XXXX closed again. During this time I was unable to work, I was isolated and unable to pay my bills, leave the hospital or my home. I one point I cound n't even speak. Prior to this my payment history was stellar 100 %, Under the CARES act and due to the pandemic I should have been offered a solution or my credit history not reported late as I got caught up as soon as I could. I have made several attempts to reach out to all of my creditors, via complaints, calls, letters and filing online with little to no success.
Consumer complaint received 2023-05-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!