davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bell Global Services LLC (CA)

So there was some CC debt from way back in XXXX, and it isn't even a large amount whatsoever, which BTW has been written off! They're MO is calling and threatening, frequency being up to 6x a day, and that will go on for a week, 10 days, then it's almost as if they take a break from me and then give or take they repeat same tactics approximately 2-3 weeks later!
Consumer complaint received 2024-10-22
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. (PA)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-10-18
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. (FL)

I have filed multiple disputes with Equifax, XXXX, and XXXX. I have not recieved the results of the investigation. There are numerous discrepancies on my credit report that need to be fixed or deleted. Please assist me by ensuring the bureaus investigate.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (HI)

IM A VICTIM OF IDENTITY THEFT PURSUANT TO FEDERAL LAW 605B ALL FRAUDULENT ITEMS MUST BE REMOVED AND BLOCKED. I HAVE ATTACHED FTC REPORT XXXXPLEASE READ THE FTC REPORT IN DETAIL XXXXALL FRAUD IS REPORTED ON THE FTC REPORT
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake.
Consumer complaint received 2023-11-07
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. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

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 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (WI)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, after a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-22
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. (VA)

I recently filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating they believe the disputes are coming from a third party, which is not true. Despite my efforts to verify my identity through a phone call, they still refused to process my disputes. 

Im frustrated, as I spent money mailing my disputes and provided personal information to verify my identity, only for them not to conduct a thorough investigation. I have attached the letter, relevant documents, my identity theft report, and the Power of Attorney. Please delete all the accounts mentioned in my letter. Thank you.
Consumer complaint received 2024-10-22
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. (TX)

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loans, credit cards, mortgage accounts from XXXX XXXX with a balance of {$930.00}, XXXXXXXX XXXX  with a balance of {$1200.00}, XXXXXXXX XXXX with a balance of {$1600.00}, XXXX XXXX with a balance of {$7000.00}, XXXX with a balance of {$3200.00}, XXXX XXXX XXXX with a balance of {$440.00}, XXXX XXXX XXXX with a balance of {$1100.00}, XXXX XXXXXXXX XXXX with a balance of {$410000.00}. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-21
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. (IL)

On XX/XX/24 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This has cause me great anxiety, stress, and financial hardship.
Consumer complaint received 2024-03-21
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Goal Structured Solutions, LLC (SC)

I initially got a student loan from XXXX to go to school to become a XXXX XXXX. When I was first applying for the loan I asked them verbatim if there was interest on the loan to which they responded there was none. A year later, I was unemployed for a time and during communications with XXXX of the self proclaimed debt collector agencies/ XXXX XXXX that apparently held the loan instead of XXXX which was who I thought I was borrowing from called to see if I could make payments to them. I advised that I could not at the current time and since then they have called every day until recently where it started to slow down since I told them over the phone they were likely violating debt collection policies and that I would seek action against them for it. The current situation is that I called to ask how much the remaining debt was because I intended to pay the remaining balance in full, but I realized that the number I called was a secondary debt collection agency who also was calling me to collect a debt and I hadn't realized they were a different company until I actually spoke for a longer period of time on the phone with them. They gave me an amount that differed from the amount I was told by the first debtee / debt collector and gave me contact information for the first company to call them and get more information. I then called them back and during the ensuing conversation found out that my loan had apparently had interest day XXXX and the XXXX company had no control over the loan and had just provided misinformation despite being the first point of contact with regards to getting the loan as if they had told me it had interest I would've never taken it. The summary of issues that I believe are a mixture of poor adherence to the guidelines of debt collection as well as bad communication. There were XXXX self proclaimed debt collection agencies which when asked " are you a debt collector '' responded " yes '' who have been in contact with me constantly calling all the time from phone numbers all over the XXXX including XXXX I have been getting mixed information on the amount actually owed varying by about $ XXXX, and getting lied to initially about the interest on the loan which was what led me to not worry about it while unemployed mistakenly thinking I wouldn't have been accruing interest. I apologize for not having lots of hard evidence to give since most all of these interactions occurred over the phones but I suspect the companies involved have their calls logged to be compared. For reference the XXXX companies involved are XXXX, XXXX XXXX, launch servicing. XXXX XXXX and launch servicing are the debt collectors in question. Also as an additional note in case this is also a violation, several times when I called XXXX XXXX to ask if they were debt collectors they would not answer my questions until provided further information which seems sketchy to say the least.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

My account was hacked for more then XXXX XXXX dollars I've tried to dispute the transactions with Wells Fargo and they did absolutely nothing From XXXX to mid XXXX my account was used and unauthorized money and charges were taken from my account which led to closing my account
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (PA)

My first bill for local taxes came before XX/XX/year>, and I called RoundPoint mortgage to verify that they had recieved the new bill, and was assured over the phone that it would be taken care of. On XX/XX/XXXX, I recieved a non payment reminder, which I forwarded to RoundPoint Mortgage over email, and recieved an automated reply that they recieved the email. On XX/XX/XXXX, I recieved a late notice, and forwarded that to RoundPoint Mortgage and requested a call back from the company to myself and the tax department. I recieved a call back and was ensured over the phone that it would be paid. On XXXX  XXXX I recieved a third notice from the tax claim bureau that the bill still has not been paid, and forwarded that to RoundPoint over email and recieved both a computer response that it was accepted, and a phone call saying again that they would pay the bill. 

It is currently XX/XX/XXXX and this time I recieved certified letter from the tax bureau saying that the bill is not paid, I forwarding this to them and reporting them to you as well to see if any oversight organization can help me on this matter.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a 90 late on my 8 student loan. I was never late on these accounts they have been in deferment for years. I asked XXXX and Transunion to show me documentation showing proof of a transaction showing I was ever late to support their inaccurate reporting on these accounts and they could not supply any documentation to support these inaccuracies so I asked them to please delete these alleged late payments from my credit report based of the law ( Per U S 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan ). They havent delete them as of today which is the reason for my complaint.
Consumer complaint received 2024-01-11
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. (FL)

Unauthorized hard inquiries were placed on my credit report on the below dates XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

Ive contacted PayPal atleast 6 times now with emails and chats and all my claims are being denied. My account was hacked, I had money sitting in my account and it was transferred to a prepaid card that was added and removed within minutes. I have screen shots of emails from this as well as my activity log. If you look at my activity you will see that Ive had the same card and bank information this whole time except for that day. They attempted to add 2 different cards multiple times. I contacted PayPal after I got on to stop them and they removed my bank information so I couldnt transfer MY MONEY. I just opened this account and I had to wait 21 days to touch my money because PayPal wanted to make sure I wasnt a scammer but I was scammed in minutes. Someone hacked my account in minutes and PayPal couldnt detect that? And youre still saying that its consist with my transactions? In my activity I Log on my XXXX, which is recognized. they used a private browser that day, multiple times and used a prepaid card for 3 transactions to withdrawal my money, then removed their card.
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It appears that my credit file has been compromised. I was going through my records & noticed many information, accounts or 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 accounts and information which is 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. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-11-26
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: EQUIFAX, INC. (TX)

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. 

XXXX XXXX XXXX  : # XXXX, XXXX XXXX # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX : # XXXX,, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : # 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 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 2023-10-27
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)

My identity is being used across the internet services, my important documents revolving my medical, financial assistance, bank fraud, inheritance of information has been used as undentify or property sale 's that I've never gotten to, and all government and federal information
Consumer complaint received 2024-03-24
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

Sent multiple certified mail letters for proof of debt, payment receipts on the account, and agency licensing/information and was never provided. They automatically threatened to report to credit bureaus and threatened my score.
Consumer complaint received 2024-04-03
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. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (MD)

In reference to the complaint, XXXX should not be closed, as I am also requesting XXXX AND XX/XX/2023 MORTGAGE STATEMENTS. THE COMPLAINT IS NOT A DUPLICATE I HAVE NOT RECEIVED MY STATEMENTS AS REQUIRED BY LAW.
Consumer complaint received 2024-04-03
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)

Pursuant to the Fair Credit Reporting Act ( FCRA ) Experian has failed to maintain reasonable policies and procedures regarding the accuracy and integrity of the information, particularly handling my disputes, and name and address and work history, I have ask for these errors to be removed on several occasions but no reasonable investigations has been conducted of said matter I have contact this Experian on several occasions regarding inaccuracies on my credit report, no remedy has been performed on my behalf, this has affected my ability to obtain credit i have attached a few denial letter as proof the creditors contact experian to confirm my credit status and was denied based on that credit profile. 

I have attached all documents and evidence of inaccuracies and the transunion report which does not reflect any of these errors