davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
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: SCHOOLSFIRST FEDERAL CREDIT UNION (LA)

I have been XXXX  sense 2013. I have been home for 2 yrs now o have been fighting to to get information removed with these companies I have submitted verification of ID theft reports, XXXX documentation, proof of address, Drivers license and utility bills proving the state I live in and the reports are still showing this information some will come off and a few months latter they are back on my credit profile. Also once I disputed these items and the place the back when the original dates may have stated it will remove at a certain date and year but when I dispute it the credit bureau reports it back for another 3 to 5 years to be removed. Which makes the account way past the statue of limitations law for credit reporting even though the accounts are not mine and fraudulent.
Consumer complaint received 2022-10-21
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct this immediately : XXXX XXXX XXXX XXXX CHILDSUPPORT 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 2024-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (AZ)

I'm glad that you have determined your job done here and on XXXX other complaints I am still dealing with. 

However nothing has changed and Venmo nor you have contacted me at all. 

I am opening another complaint and will look for who I can report you to next. Or maybe I should talk to the legalize of my family. 

This literally says " WILL BE AVAILABLE XX/XX/20. '' Seeing as how it is XXXX, you have obviously don't nothing. Other than change my report to reflect that you have. 

You are worse than the scum who I've been reporting to you.
Consumer complaint received 2024-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

This company, Select Portfolio Services or SPS, purchase my mortgage from the bank who give me the original loan. Since day 1 problems arise. They send me the loan information from others borrowers as they state I was one of them. The letters they send me contain personal information and loan numbers of those people. I assume mine was also send to who knows who. 
It was very difficult for me to make the SPS employees to understand that I was not any of those people, also to find and correct my name, address and my real loan number. Besides they corrected my info on the following month they charge me the loan of unknown person plus my own loan. They took 5 seconds to debit that money out of my account but 5 days to return my money after I finally prove them that I was not a woman in Texas and that they charge me the loan of another person unknown to me. 
Now, and this is my problem and the reason of this complain, they do not pay the City Taxes on XX/XX/2023, they have an escrow account with enough money to do it. City threat me with put a lien on the property, sending me a letter with unpaid balance. I call SPS one more time to try to resolve this new issue. I spoke several times with multiples employees and supervisors, always the answer was : we escalate your problem, but they never send any payment to the city. I ended paying the taxes from my pocket. {$3000.00} extra to avoid the lien on the property. After I spoke with another SPS supervisor, he assures me they send a check to the city. He actually gives me a tracking number for the check to the city but the check never leaves SPS office, as I call XXXX multiples times to verified, XXXX state that the label was created but the package never leaves the SPS office. 
After one more call and another conversation with other supervisor he states that they saw online that taxes were pay, they assume the issue it was resolved but it was me who pay, no SPS. I spoke with another supervisor and explain this. He says he understood and they will return the money back to me, one more time he escalates the problem but I never receive any money back or the city receive any check. I request them to cancel the escrow and return my money as I will take care of taxes and insurance myself to avoid any confrontation with the City. I fallow all requirements and send all paperwork requested by SPS but one more time they escalate the problem but nothing happen. At this point I decide to no pay them anymore the mortgage. Now they call me every day asking for payment but they never pay the city or return my escrow so I will not pay anything till this problem get resolved. Please help, this is very frustrating as I can't do anything on my end, they are going to damage my credit or maybe they are trying to get the property with this dirty game. Another problem is that this month taxes must be pay to city again and if they do not pay it one more time, I will have to pay it myself one more time. 
Please Help Thank you
Consumer complaint received 2024-04-06
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. (NC)

15 U.S. Code {$1600.00} XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. I have attached my FTC Report to this compliant to prevent further stall tactics form.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

On XX/XX/2024 direct deposit from my employer were received by Citibank and deposited into my accounts. On the XXXX XXXX  XX/XX/2024 the accounts closed. XX/XX/XXXX and XXXX were XXXX- so the accounts were closed within XXXX days of deposits and monies were not returned to employer or me. Instead the payroll is being used to reconcile the account without my access. All access is blocked and no court order exists to hold pay.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CT)

XXXX wrongfully charged my Venmo account and took out {$600.00} and I never authorize this. I made it dispute with Venmo who took the money back from XXXX but did not put it into my account! So now XXXX is coming after me and yet Venmo wont give me my money and its been a month and they are doing nothing to help me.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Violation of my rights. 
XXXX XXXXXXXX XXXX XXXX : # XXXX. 
XXXXXXXX XXXX XXXX  : # XXXX. 
XXXX XXXX XXXX XXXX : # XXXX. 
XXXX XXXX XXXX : # XXXX. 
XXXXXXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX : # XXXX. 

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 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 2018-12-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (TX)

Hi, I will keep it precise in points : Please find my complaint details in points below.

+In XX/XX/XXXX I received a phone call from XXXX XXXX ( XXXX XXXX XXXX XXXX ) claiming I owe {$820.00} in the form of move out expenses.

+ I moved out of this society by the name " XXXX XXXX '' located in, XXXX XXXX, in XX/XX/XXXX.

+When I tried to get more details, she refused to share any details with me very rudely and threatened me that my credit score will be ruined if I do not go ahead with the payment.

+Although I bought me some time from her, asking her to get back to me in a few days after I double check with the Real Estate company involved, I was told that the company was taken over by some other firm.

+On my second interaction with her, I asked her to provide me with a legitimate letter head document with the details of the costs involved.

+She however went on to disagree with me bluntly and said if I can pay the half of the amount and eventually consolidated my doubts about the claims being false.

+She sent me a scrap document which has no credibility, no letter head whatsoever etc.

+I was a XXXX XXXX  at that point and could not afford to pay this false amount and I am sure that all the points they have listed on the document are not true and are subject to verification.

+I will attach the file she sent me which will give you an idea of this scam.

+I also searched online and turns out that a few more people have been a victim of this scam.

+This account is now on my credit score and is effecting me monetarily, I am facing difficulties getting loans and other credit related processes.

Warm Regards,
Consumer complaint received 2024-04-06
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. (MI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-25
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R.T.R. Financial Services, Inc. (FL)

I received a letter from RTR Financial Services dated XX/XX/XXXX about a balance owed to XXXX XXXX XXXX XXXX XXXX. It said I had until XX/XX/XXXX to dispute the debt. I mailed a letter to RTR Financial Services on XX/XX/XXXX showing them a letter from my health plan that says they have approved the claim for payment for the exact amount still due but couldn't provide an actual date it would be paid. I told RTR to never contact me again about the debt. I received another letter dated XX/XX/XXXX so I resent the prior communication by mail and once again told them to cease and desist. I received an automated phone call/voicemail today XX/XX/XXXX to my mobile phone from XXXX which is a violation of the Telephone Consumer Protection Act. They are also in violation of the FDCPA by continuing to contact me after they have been told to cease and desist.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX **Subject : ** Unauthorized Inquiries on My Credit Report Dear TransUnion Team , I hope this letter finds you well. Upon reviewing my credit report, I have identified several unauthorized inquiries that I wish to address : XXXX. XXXX XXXX XXXX - Location : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Requested On : XX/XX/XXXX - Inquiry Type : Individual XXXX XXXX  - Location : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX - Phone : ( XXXX ) XXXX - Inquiry Type : Individual XXXX. XXXX XXXX XXXX - Location : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX - Requested On : XX/XX/XXXX, XX/XX/XXXX - Phone : ( XXXX ) XXXX - Inquiry Type : Individual XXXX. XXXX XXXX - Location : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX - Phone : ( XXXX ) XXXX - Inquiry Type : Individual I wish to clarify that I did not authorize these inquiries and have no association or dealings with the referenced entities. According to the Fair Credit Reporting Act ( FCRA ), credit reports should only be accessed for valid purposes, such as credit evaluations, employment verifications, and other lawful business endeavors. I am concerned that these inquiries do not meet the criteria for permissible purposes under the FCRA. 

I respectfully request that TransUnion conduct a thorough investigation into these unauthorized inquiries. Should it be determined that these inquiries were not authorized or lacked a permissible reason, I request their immediate removal from my credit report to maintain its accuracy. 

I trust in TransUnion 's commitment to ensuring the integrity of credit information and look forward to a prompt resolution. Please keep me informed of your findings and any actions taken. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

This account balance is showing up incorrect on my report and this needs to be updated or removed asap. 

Account name XXXXXXXX XXXX XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XXXX  Status Paid, Closed. {$2.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$500.00} Highest balance {$2900.00} Terms NA Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current on payments XXXX  Charge off XXXX  No data for this period Payment history guide Charge Off as 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-01-09
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Larry H. Miller Group of Companies (NJ)

My vehicle was repossessed without a repo order or a validated written notification I was sent statements not verification and the statements are incorrect and I see XXXX missing out of statements I was a victim of breach of peace frivolous contract and Ive been manipulated tricked threaten And the accusations has been truly dis satisfying
Consumer complaint received 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I have informed XXXX that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want XXXXXXXX XXXX to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of XXXX XXXX Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

XXXX XXXX
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NC)

Re : Chapter XXXX Dismissed Bankruptcy Docket # XXXX filed XX/XX/2011 I am disturbed that the credit bureaus continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, these credit bureaus have no right to maintain information which the government has deemed nonexistent. 

I filed this bankruptcy in XXXX County Court in XXXX, NC on XX/XX/2011. I have never been to XXXX County. 

Regards, XXXX XXXX
Consumer complaint received 2024-01-09
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: Elevate Recoveries, LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XX/XX/XXXX ELEVATE RECOVERIES LLC Subject : Dispute of Hard Inquiry on Credit Report under 15 USC 1681 Dear ELEVATE RECOVERIES LLC I am writing to dispute a hard inquiry that appears on my credit report. My name is XXXX XXXX, and I believe this inquiry is inaccurate and negatively impacting my credit standing. 

Details of the inquiry : Creditor Name : ELEVATE RECOVERIES LLC, Date of Inquiry : XX/XX/XXXX Inquiry Reference Number : N/A I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, which entitles me to accurate and fair credit reporting. Upon reviewing my credit report, I have identified the aforementioned hard inquiry that I believe was made without a permissible purpose or is otherwise inaccurate. 

I kindly request a thorough investigation into this matter and prompt removal of the disputed inquiry from my credit report if it is found to be inaccurate or unjustified. 


Enclosed, please find supporting documentation, I appreciate your attention to this matter and look forward to the prompt resolution of this dispute. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX **Subject : ** Unauthorized Inquiries on My Credit Report Dear Equifax Team , I hope this letter finds you well. Upon reviewing my credit report, I have identified several unauthorized inquiries that I wish to address : 1. XXXX XXXX XXXX - Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Requested On : XX/XX/2023 - Inquiry Type : Individual 2. XXXX  - Location : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Requested On : XX/XX/2023, XX/XX/2023 - Phone : ( XXXX ) XXXX - Inquiry Type : Individual 3. XXXX XXXX XXXX - Location : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX - Requested On : XX/XX/XXXX XXXXXX/XX/2023 - Phone : ( XXXX ) XXXX - Inquiry Type : Individual 4. XXXX XXXX  - Location : XXXXXXXX XXXX XXXXXXXX, XXXXXXXXXXXX XXXX XXXXXXXX - Requested On : XX/XX/2023, XX/XX/2023 - Phone : ( XXXX ) XXXX - Inquiry Type : Individual I wish to clarify that I did not authorize these inquiries and have no association or dealings with the referenced entities. According to the Fair Credit Reporting Act ( FCRA ), credit reports should only be accessed for valid purposes, such as credit evaluations, employment verifications, and other lawful business endeavors. I am concerned that these inquiries do not meet the criteria for permissible purposes under the FCRA. 

I respectfully request that Equifax conduct a thorough investigation into these unauthorized inquiries. Should it be determined that these inquiries were not authorized or lacked a permissible reason, I request their immediate removal from my credit report to maintain its accuracy. 

I trust in Equifax 's commitment to ensuring the integrity of credit information and look forward to a prompt resolution. Please keep me informed of your findings and any actions taken. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.