davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-29
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-31
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: JPMORGAN CHASE & CO. (FL)

JP Morgan Chase Bank the information you are providing to the consumer reporting agencies is inaccurate and incorrect. This erroneous reporting has had a significant negative impact on my character, reputation, overall lifestyle, and ability to secure credit for personal and housing needs. Your inaccurate reporting has caused substantial harm to my livelihood.
Consumer complaint received 2023-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (DE)

Dear PayPal Team, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, registered under the email address XXXX. I believe that this limitation has occurred due to a misunderstanding or mistake, as I have always strived to adhere to PayPal 's policies and guidelines. 

First and foremost, I want to emphasize that I have not knowingly violated any PayPal policies or engaged in any activities that would warrant such a limitation. PayPal has been an essential and trusted platform for me, both personally and professionally, and I have always conducted my transactions with the utmost integrity. 

I kindly request that PayPal conducts a thorough re-investigation of my case to ensure that all relevant information and details are considered. It is my sincere hope that, upon review, you will find no grounds for the permanent limitation and that my account can be restored to its full functionality. 

I understand that PayPal must take necessary measures to protect its platform and users, but I firmly believe that this limitation is the result of an error or misunderstanding. I am committed to cooperating fully with any additional verification or information you may require to resolve this matter. 

In conclusion, I respectfully ask PayPal to reconsider the permanent limitation on my account. I trust in PayPal 's commitment to fairness and transparency and believe that a second look at my case will reveal that the limitation was not justified. 

Thank you for your prompt attention to this matter. I eagerly await your response and hope for a positive resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN HONDA FINANCE CORP (TX)

Hello. My name is XXXX XXXX. I am an XXXX XXXX XXXX in the XXXX XXXX stationed at XXXX XXXX, Texas. I was XXXX to XXXX for nine months from XXXX XXXX XXXX. Before I was XXXX, I was making an automated car lease payment with Honda for two years. However, when I was XXXX overseas, my automated payments had stopped, which hurt my credit score. I discovered this news after I returned back to the U.S. and went to Honda because I thought my lease had matured. Honda never reached out to me during this time so I had no idea the payments were not being made. Honda also told me that I had a repo on my account, which is hurting my credit score. However, my car was never repossessed so this is a false repossession claim that I am currently suffering from. I called Honda Finance several times and spoke to my local Honda dealership but they did not help me with this situation. Instead, I was coerced into refinancing my current car with a high interest rate because I need a car for my work and to rebuild my credit. They told me I could not get a car anywhere else and no dealership would work with me because of my bad credit. Any help would be much appreciated.
Consumer complaint received 2023-07-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

There are a few accounts showing on my credit report that I believe could not be mine or are old and reoccurring with high balances that I'm not aware of. These accounts are : Community bank/Victoria secrets : ( XXXX... ) Showing a balance of {$1500.00}. This could not be mine. 

XXXX ( XXXX... ) Shows conflicted balances, {$1900.00} & {$3300.00} for the same account. This also I'd like to dispute. 

There are multiple closed accounts showing on my credit report from XXXX to present that I would like to be removed because I believe they're reflecting negatively and causing my scores to be low.Thank you in advance for any assistance. 

XXXX XXXX
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am formally demanding for the LAST time that the proper update be made to this account on ALL consumer reporting agencies as PAID IN FULL AND NEVER LATE. XXXX XXXX XXXX XXXX XXXX is insured by the XXXX XXXX XXXX XXXX ( XXXX ) and ALL accounts are backed up to {$250000.00}. Furthermore, this account is listed as a CHARGE OFF which is a certificate of indebtedness and is actually considered an INCOME per IRS publication XXXX XXXX XXXXIRS website : Canceled debt. If the abandoned property secures a debt for which you are personally liable and the debt is canceled, you will realize ordinary income equal to the canceled debt. This income is separate from any amount realized from abandonment of the property. You must report this income on your return unless one of the exceptions or exclusions described in XXXX XXXX  applies. **** During dispute of this debt, I was not given proper validation even after contacting the furnisher on multiple attempts. My consumer reports NEVER showed the account was in dispute or removed within the proper time frame, even after all documentation was sent to proper parties. 

Violations listed under the FDCPA and FCRA : 15 U.S. Code 1681c-2 ( a ) 15 U.S. Code 1681c-2 ( b ) 15 U.S. Code 1681e ( b ) 15 U.S. Code 1692e ( 2 ) ( A ) 15 U.S. Code 1692j ( a ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692b ( 2 ) 15 U.S. Code 1666d ( c ) 15 U.S. Code 1681 ( h ) ( d ) 15 U.S. Code 1681m ( a ) ( 4 ) ( b ) 15 U.S. Code 1681m ( b ) ( ( 2 ) ( c ) ( ii ) 15 U.S. Code 1681m ( d ) ( 1 ) ( d ) 15 U.S. Code 1681m ( d ) ( 4 ) 15 U.S. Code 1681m ( e ) ( 1 ) 15 U.S. Code 1681m ( e ) ( 2 ) ( b ) 15 U.S. Code 1681m ( e ) ( 4 ) ( ii ) 15 U.S. Code 1681m ( f ) ( 1 ) 15 U.S. Code 1692g If the matter is not solved within 5 business days I will be filing arbitration/small claims court for all parties involved.
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (GA)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I AM WRITING TO DISPUTE THE FOLLOWING ACCOUNTS. I DID NOT OWE THIS DEBT AND IT DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE. PLEASE REMOVE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF MY REPORT AFTER THE INVESTIGATION.
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (MA)

1.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 demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX - XXXX
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

On XX/XX/23 I attempted to open a trust bank account at XXXX  XXXX XXXX. They used my social to run a background check which revealed that I had monies owed to XXXX  XXXX XXXX on an old closed account. This account was paid in full months prior to the inquiry. I was denied the bank account and proceeded to call XXXX  XXXX XXXX who confirmed that the matter was resolved and provided me with a letter stating this. ChexSystems was contacted and I spoke with a woman who was difficult to understand as well as appeared to be out of the country. Im not quite sure why an agent in another country deals with credit matters of the US but that is a different matter ; after providing a lot of private information and explaining the situation, she informed me that there was nothing she could do and I would need to contact XXXX  XXXX XXXX. I have now, on XX/XX/23, been denied another checking account creation due to this matter. I am attaching a letter from XXXX  XXXX XXXX showing the matter is resolved and requesting that it be removed from my credit report or I will be forced to file suit. This has caused forfeiture of new accounts, interrupted business and caused tremendous distress to me and my family.
Consumer complaint received 2023-02-24
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. (FL)

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-19
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. (CA)

It appears that my credit file has been compromised. Again, 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 the credit bureaus are required by law to remove & block any accounts or 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 ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have several listed accounts that appear as late when indeed they are not. I reconfirmed this with an official TRANSUNION credit report and they verified as late going from current to 60 days late within a 30 day window, I've contacted TRANSUNION several times with a 2 year time frame with this complaint of these incorrect accounts statuses and have seen no adjustments. According to law 15 U.S. Code1691i- Procedure in a case of disputed accuracy. If the completeness or accuracy of any item ( s ) of information contained in a consumers 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 ( s ) from the file in accordance to paragraph ( 5 ) The accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS ARE INACCURATE GOING FROM CURRENT TO 60 DAYS LATE IN ( 1 ) MONTH IM WHICH IS IMPOSSIBLE AND ITS Breaking The LAW UNDER FCRA.
Consumer complaint received 2023-08-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (OR)

My mortgage was bought and sold three times. I ended up at Truist which for some reason made making a mortgage payment nearly impossible. Truist is saying they have no record of receiving the form to reestablish the draft. That's exactly what I have been saying over and over ion my complaints. Truist FINALLY admitted they did not process payments. ON TOP of this my XXXX was XXXX  of XXXX and Truist is running ads they care on the XXXX XXXX. Truist did not process payments and ALSO reported information to each credit bureau differently. I am really upset. 

Truist did not proceed payments and then ALSO reports the information inaccurately to the bureaus BUT says it's not the banks problem. 

The complaints I have filed get reviewed. Truist writes something erroneous on here and the complaint is closed. 

Truist finally admitted " We have no record of receiving the form to reestablish the draft. '' That's what I have been complaining about. The information reported to the bureaus is wrong.
Consumer complaint received 2022-03-25
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX opened XXXX XXXX & Account # XXXX opened 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 1666B : A creditor ma
y not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc. (AZ)

I recently found out that I had been sent to collections, not from the collection agency, Carter-Young , but through a credit alert. 

Below is the timeline and irregularities regarding my daughter 's college student apartment : On XX/XX/2022 we received the Move Out Statement via email which I did not initially see. After recent review, within the notice there were questionable move out fees of {$310.00}. On XX/XX/2022 I received a Notice of Balance Due : First Demand with an amount due of {$0.00}. On XX/XX/2022 ( 10 days after my first notice ) I was sent a Notice of Balance Due : Final Statement with an amount due of {$0.00}. At this point there was no money owed per their own email correspondence and there were only two communications to collect in the first 60 days. 

When I recently called XXXX XXXX XXXX for clarity, they let me know they wrote off the debt and that is why the amount was {$0.00} owed. Writing off debt within 30 days for tax benefit purposes and then sending said debt to a collection agency is wrought with issues in my mind. 

In regard to Carter-Young , I submitted a dispute on their website. They recently said the investigation showed I owed the money and just showed the Move Out Statement. I have asked Carter-Young for the Validation Notice in an effort to collect from me since I do not have any emails, letters, or calls from them. This has severely hurt my credit that used to be XXXX and I had no idea I owed anything to remediate. And neither party is helpful in rectifying. 

Sincerely
Consumer complaint received 2021-02-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS ACCOUNT RESOLUTION at XXXX XXXX XXXX has been sending me collection notices in the amount of {$440.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character.
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (AL)

this about the account with convergent outsourcing. The dispute results that were sent to me were not what i asked them to correct. I requested the account to be deleted from collections because one of their representatives whom I called and spoke with falsely reported their company would remove the debt from my credit report if I agreed to pay the settlement payment which was agreed to. But the debt is the still on my credit report. So, my complaint is I was lied to and promised something that I was trying to do in good faith. I know the phone call was recorded and would and it will have the entire conversation on that day. I would like them to present it to your company so you will hear exactly what was said. it will let you hear the young lady i spoke with promise to delete the account if i paid the settlement. I did exactly that. But the account is still listed. This is false representation and deception to the consumer who has trusted these agencies and is trying to do what is right to resolve issues on their credit report.