davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
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. (CT)

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 of complying 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 failed 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 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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

XX/XX/23 a letter of dispute was sent to experian because there are some items on my consumer report that i have no idea where they are reporting from. I waited 30 days and have yet to get anything from the company going over my dispute.
Consumer complaint received 2023-12-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

XX/XX/2023 purchased through online ad XXXX XXXXXXXX XXXX. Paid through PayPal, {$77.00}. After a couple weeks l attempted to contact seller through PayPal. PayPal had no contact information and world not allow to file fraud for a refund.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (WA)

On XX/XX/XXXX, my student loan was forgiven per MOHELA and XXXX. 

Yet, MOHELA still reports this account as open, in fact, on XX/XX/XXXX, MOHELA reported to credit reporting agency XXXX that the account is still open. 

This is not correct information and reporting the account as open when it is not, is harming my credit score.
Consumer complaint received 2024-04-24
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. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-04-26
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. (NY)

I am not receiving my billing and because of this I have just recently saw that I was late. I called the company and they said we apologize you were in paper billing. I now own business and i never put myself in paper billing, so this is a mistake on their end and I need then to remove that late payments immediately. If you look on the notes they did admit that I was in paper billing and that they had fixed the problem. Remove late payments immediately. I also didnt give them permission to report on my behalf. They are also reporting innaccurate info and none of the XXXX  reporting is the same accross the report. I need this removed asap.
Consumer complaint received 2024-09-16
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. (NY)

I am filing a complaint regarding the inaccurate reporting of several accounts on my credit reports across the three major credit bureaus ( Experian, XXXX, and XXXX ). These discrepancies violate multiple sections of the Fair Credit Reporting Act ( FCRA ), and I request an immediate investigation and correction of these issues. 

XXXX XXXX : There was no notice of dispute provided, in violation of FCRA Section XXXX ( a ) ( XXXX ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : The account was deleted off XXXX but remains on XXXX and Experian, without proper dispute notice, violating FCRA Section 623 ( a ) ( 3 ). 
XXXX XXXX XXXX  : There is an account on Experian with a balance of {$1200.00} and an open date of XX/XX/XXXX that was not deleted. Additionally, there was no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ). 
Another XXXX XXXX XXXX  account is listed on all three bureaus with a balance of {$1600.00}, no notice of dispute, an open date of XX/XX/XXXX, and inconsistent payment history. This account has also been re-aged, violating FCRA Section 605 ( c ) and FCRA Section 607 ( b ). 
XXXX XXXX : No notice of dispute was provided, in violation of FCRA Section 623 ( a ) ( 3 ).

The account has been re-aged by over a year and is still listed on XXXX and Experian, violating FCRA Section 605 ( c ). 
XXXX is showing a late payment on a collection account, which is improper. 
XXXX XXXX XXXX : No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ).

The account has been re-aged by two years, violating FCRA Section 605 ( c ). 
XXXX : No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ).

The account has been re-aged and there is inconsistent payment history across the three credit bureaus, violating FCRA Section 607 ( b ) and FCRA Section 605 ( c ). 
XXXX : Only listed on Experian with no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ). 
XXXX XXXX XXXX  : Another account is listed on all three bureaus with a balance of {$1600.00}, an open date of XX/XX/XXXX, no notice of dispute, and inconsistent payment history. The account has also been re-aged, violating FCRA Section 605 ( c ) and FCRA Section 607 ( b ). 
XXXX XXXX : No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ). 
The payment history is inconsistent, and the account has been re-aged, violating FCRA Section 607 ( b ) and FCRA Section 605 ( c ). 

Please find attached copies of my credit reports from Experian, XXXX, and XXXX, highlighting the discrepancies, as well as any correspondence related to disputes Ive filed directly with the credit bureaus and creditors.
Consumer complaint received 2024-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hi, I am reaching out regarding the following information I listed from reviewing my credit report. The accounts listed below need to be removed. I am a victim of Identity Theft. I do not recognize any of the charges or listed accounts. I reported the theft of my identity to The Federal Trade Commission, and I do have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am requesting the removal of the items listed on this letter based off what I reviewed in my credit report because the information is incorrect and unrecognizable. Please advise. I do appreciate the help of your team in advance. Best regards.
Consumer complaint received 2023-12-08
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX : XX/XX/XXXX todays date : XX/XX/XXXX RE : Investigation Request to Delete fraudulent account To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX. { Creditor Name } XXXXXXXX XXXX  ( XXXX XXXX XXXX  ) { ac # } XXXX { Reason for Dispute } fraudulent/ not my account or debt INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX universi { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX universi { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX  XXXX { inquiry date } XX/XX/XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX
Consumer complaint received 2023-11-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NAVY FEDERAL CREDIT UNION (FL)

Purchased fully without lending during XX/XX/XXXX a ground floor condominium unit due to a XXXX XXXX. At time of purchase with inspection flooding or leaks of any kind did not exist immediate past ( 1 year ) or at that present time. Once sale was complete and upon moving in a flood occurred from a waste pipe. Flooding continued and from two separate locations directly related with waste pipes. A HELOC application and appraisal was completed for a fee of approximately {$1400.00} on or about year XXXX. Following approval of HELOC the related HOA/Home Owners Association and its collection agent sold the deed and title of condo at auction in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Their stated reason for this action was failure of HOA dues payments. The dues payments were actually stopped/halted due to the fact the HOA has full responsibility of its waste pipes and refused, failed to act on the flooding, leaking of waste pipes to my home. Fast forwarding a bit here, the matter reached a trial court. The actions and decisions from me ( condominium title & deed owner ) were correct and justified. The HELOC lender never appeared or communicated with me prior to, during or after trial and judicial findings or rulings. The condominium, its title and deed were forced from me. To this current date or as of XX/XX/XXXX the HELOC account and lender continue taking money from a checking account and savings account, completely separate accounts, that never was it asked/requested to be linked to HELOC. The various amounts of money are literally taken or withdrawn at any given date or any given deposit the HELOC lender deems appropriate. This happens ongoing totally regardless of anything. The fact that the condominium was forced from me, my home ownership, means absolutely nothing. PLEASE HELP! S.O.S. S.O.S
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-09-03
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. (ID)

I have reached out to all three credit bureaus to fix the accuracy of my reports. they have had over 60 days to do so and have done nothing. a lot of the inquiries were not made by me and I had to go through a long drawn out identity theft process. I have also done my own research and these reports are not accurate. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
In accordance with the fair credit reporting act, the inaccurate non validated information has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

Name of Account Account Number Verification XXXX XXXX XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXXXXXX XXXX XXXX Validate Account XXXX XXXX XXXX Account XXXX XXXX Validate Account XXXX XXXX  Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX  Validate Account XXXX  Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXXXXXX XXXX XXXX Validate Account XXXX XXXX XXXX  Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX  Validate Account XXXX XXXX XXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank You, XXXX XXXX
Consumer complaint received 2024-04-24
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These account are. hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

These account was charged off on the following date XX/XX/XXXX, & another account on XX/XX/XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

On XX/XX/2023 a fraudulent charge of {$1100.00} was posted to my Goldman Sacks ( GS ) Apple Card.

I immediately received notice of this charge and contacted GS with my dispute. 
On XX/XX/2023 I received a letter stating their investigation was completed saying their investigation was completed saying they reviewed available information which confirmsI authorized the charge, That same day I contacted GS and continued my dispute asking for information. Nothing was provided. 

Today, XX/XX/2023 I once again contacted GS and was told the charge is still being investigated. I asked the GS agent to escalate my dispute and was told they would not.
Consumer complaint received 2023-10-27
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: EQUIFAX, INC. (PA)

I am writing to request an investigation into potential fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent. See below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
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. (FL)

I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Consumer complaint received 2023-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RESIDENT VERIFY In accordance with the Fair Credit Reporting Act. The lists of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 crime 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.