davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

There are three accounts appearing on my Experian Credit report that are inaccurate. Alleged accounts belong to XXXX XXXX XXXX stating I owe {$14.00}, XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX I requested the original contracts with these companies, to prove that contracting occurred in accordance with 15 USC 1602 ( g ) ( 2 ). I also disputed through Experian sighting FCRA violations as well as the violations in consumer law. In accordance with 15 USC 1602 ( g ), the consumer is the original creditor, and when there is no evidence of a debt there has to be contract which the consumer grants the creditor permission to report in accordance with 15 USC 1681 ( b ) ( a ) ( 2 ). All alleged creditor - debtor relationship has to have a contract, and all contracts are checks ( UCC 3-104 ( e ) ( f ) ), deposited by the seller. All alleged finance companies are draft purchasers, ( UCC 2-104 ( 2 ) ). I Thank You for your time and attention to this matter, and that honest and accurate reporting follows. 

Thank You, XXXX XXXX
Consumer complaint received 2023-01-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The company did not provide a signed contract from the original credit that I owe. They keep providing old bills and this doesn't mean anything.. Looking back at the date the accounts were opened. I was affected by a natural disaster and was unable to make any payments. Please the attachments. I did not have a place to stay and wasn't working. 



Portfolio Recovery Associates {$490.00} XXXX Portfolio Recovery Associates {$750.00} XXXX
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home  Mortgage has reported incorrect unpaid principal balance which has made my score go down. The company reported an increase by {$1100.00} between  XXXX   XXXX ,    2017  and  XXXX   XXXX ,    2017  which is inaccurate. Please see the attachment of the correct unpaid principal balance during this time. I have attached document from   Wells Fargo site about my principal balance.
I hope im not apart of Wells Fargo   discriminated against  XXXX    XXXX  . Because this really make no sense to me as to why  Wells Fargo is   reporting incorrect balance to make my  credit score  go down.
Consumer complaint received 2024-03-01
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. (OH)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

I have tried to dispute with this creditor and the three major credit bureau agency in XX/XX/year>, XX/XX/year> after noticing a drop in my credit and closing out an account in XXXX. After closing the account with XXXX XXXXXXXX XXXX Account XXXX XXXX in XXXX, I noticed a drop in my credit report in XXXX because my account was reported to be 30 days past due. I spoke to customer service and was told that I still had interest to pay after my account was closed. The interest that was reported was {$1.00}. I was not aware of these at the time of closing out the account. This account was closed in XXXX after a missed payment in XXXX. I closed the account because of the multiple fraud activities on my bank card, which resulted in changing my bank card three different times between XXXX to XXXX of last year which resulted in a missed payment. I requested for a script that shows that I was late with the XXXX payment. I have contacted the company XXXX XXXXXXXX XXXX  Account XXXX XXXX directly to find out why I was considered late in XXXX when I closed the account in XXXX. I reached out to them to show the prove that the account was closed in XXXX and also show the balance that was reported in XXXX. XXXX XXXX XXXX Account # XXXX never sent proof that I was late. I would like an investigation to be done regarding my case. The creditor has illegally rearranged my closing date to XXXX. Tran union, XXXX and Experian are all not saying the same thing with my account They have failed to do an update on my account and do a proper investigation.
Consumer complaint received 2023-06-07
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. (MO)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$600.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-07
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$450.00} XXXX XXXXXXXX Balance : {$390.00} XXXX XXXXXXXX Balance : {$450.00}
Consumer complaint received 2023-01-01
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. (CA)

Ran a credit report a the experian credit report showed theres a collection from a company where it states I owe XXXX dollars to an account opened in XXXX XXXX. This is not possible because I was on XXXX and out of the country around that time. I did not open any accounts with the company that made the erroneous report. I filed a dispute with Experian and after around 2 weeks, they deemed their report as accurate saying that the company stated I have an account. This is not accurate. I have never opened an account wherein I have a collection made against me.
Consumer complaint received 2022-11-18
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-02
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-17
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (UT)

THE ACTION THAT I TOOK WAS TO REQUEST MY CONSUMER AND CREDIT REPORTS FROM THE FOLLOWING CREDIT AND CONSUMER REPORTING AGENCIES : LexisNexis RISK SOLUTION AND XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AND ITS DATA REPORT BROKERS. 
THE SAID ABOVE COMPANIES HAVE NOT SENT ME MY REPORTS AS REQUESTED AS OF YET! 
THEY HAVE NOT RESPONDED AT ALL. 
ACCORDING TO THE ( FCRA ), I HAVE THE RIGHT TO A FULL DISCLOSURE OF ANY AND ALL OF THE DATA IN MY RECORDS AS A CITIZEN OF THIS FINE COUNTRY, THE UNITED STATES OF AMERICA.
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (CA)

I used to have an account with XXXX for internet service ( discontinued service over a year ago ). When I disconnected the account, I paid the remaining balance and returned their satellite and router equipment in their own provided box with their provided prepaid shipping label. I mailed the equipment back well within the allotted timeframe from my local XXXX store and was not provided tracking information due to the label being prepaid. I never thought I'd need it anyway, since I've never had an issue sending any other package. 

XXXX made no attempt to contact me regarding the " missing '' equipment until I received a charge to my bank account in the amount of {$160.00} approximately XXXX months later. When I reached out to resolve the issue, no one could get answers as to where my equipment was. This was likely due to the fact that they waited approximately XXXX months to illegitimately charge my account. That also conveniently happens to be the time XXXX is no longer able to retrieve tracking information. I was told a claim was submitted to a supervisor and when I reached out to them again days later, I was told that they couldnt find my equipment and I was responsible for the fraudulent charge. At this point, I had to file a dispute with my bank, who reversed the charge upon completion of their investigation. 

XXXX made no attempt to contact me prior to initially charging my account, no attempt to contact me after the charge was dismissed from my account, and no attempt to contact me before they decided to send the fraudulent " debt '' to a collections agency ANOTHER XXXX months after my bank settled the dispute, so we're now over XXXX year since I discontinued service. 

I can not believe I am being held responsible for a companys poor tracking and receiving practices. Dealing with a collections agency and having to jump through hoops to prove I am not responsible for their failure to find a package is infuriating. I paid everything owed in full and their claim that I did not return their equipment is absolutely nothing short of fraud.
Consumer complaint received 2022-09-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I've submitted a complaint under XXXX. The consumer reporting agency has taken more than the legal allowance of 30 days to resolve this complaint. My driver 's license and social security card have been uploaded to confirm my identity. The CRA should have investigated initially before assuming the responsibility to report fraudulent information on accounts that are open-end consumer credit accounts without credit limits or late payments as all debts are the sole responsibility of the U.S.
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (NC)

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT & FRIVOLOUS. I have been in contact with the debt furnishers and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act. XXXX is robbing, badgering my credit with no explanation on an erroneous, alleged collections.
Consumer complaint received 2023-01-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (OH)

Paypal is not allowing me to transfer money from my own bank account to my paypal account. I had issues with them and XXXX  about it and now they refuse to allow me to transfer money into my account. I've had both my paypal and bank account for around a XXXX, but all of a sudden paypal says they are unable to verify my identity and force me to call them every time I want to transfer funds. The verification questions they ask are also screwed up because they ask what XXXX a specific vehicle I owned was. The problem is, I've owned XXXX vehicles of the same model & year, but different colors. They refuse to accept that, and say that I answer incorrectly and therefore refuse my transfer. They also told me that my transfers may take upto XXXX XXXX XXXX, which is outside of their policy of XXXX XXXX XXXX. This is pure retaliation. They also insist on grilling me about what I am going to spend my money on, which seems like a violation of my personal financial information.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XXXX, a fraudulent charge of {$210.00} was applied to my Citibank debit card ending with XXXX from XXXX XXXX XXXX hotel in XXXX XXXX, CA. I have contacted Citibank to close the account, sent a report to XXXX XXXX XXXX XXXX XXXX reported the matter to my local police dpt. I last used the Citibank debit card at the XXXX XXXX XXXX hotel on XXXX where it was apparently hacked. This type of theft has happen several times before at a local business. Looks like there is absolutely no protection against this kind of theft for a consumer or card holder. I will be going with CASH from now onwards. 
Thank you for accepting this report, XXXX XXXX
Consumer complaint received 2024-03-01
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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Summary of Accounts being challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank Of America California XXXX XXXXt Department XXXX XXXX XXXX Account XXXX I have {$1000.00} in funds in my B of A - XXXX account, which were frozen by B of A. 

I communicated with the XXXX and they stated via email ( Attached ) that B of A had frozen the funds, because of outstanding debt relating to a line of credit, mortgage, credit card, or because of fraud. 

I have have never had any type of account with B of A, and am not being investigated for unemployment or any other type of fraud. 

Since this is not a traditional checking account, the account info noted on the next page is the XXXX XXXX XXXX # associated with the account