davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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. (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 ; Account name : XXXX XXXX XXXX, XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : 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 or 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 2023-02-12
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: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act XXXX  account # 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. 

In accordance with the fair credit reporting act XXXX  account # 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.
Consumer complaint received 2023-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC (OH)

Lower Holding Company sold my mortgage to XXXX Mortgage some time last month. In the process Lower has once again " lost '' one of my payments. I say once again because this is the second time Lower has sold the mortgage and " lost '' a payment in the process. I filed a complaint last time and suddenly they " found '' the payment -sent an apology letter and everything. ... I do believe this a pattern of behavior that Lower engages in as a money making scheme.
Consumer complaint received 2023-02-01
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)

Experian continues to be willful non compliant by not meeting its obligations of Federal Fair Credit Reporting Act ( FCRA statue ) as it is bound by Federal law ( FCRA clearly says that all accounts reporting on any consumer report disclosure have to be 100 % accurate ,100 % complete 100 % verifiable otherwise it needs to be deleted from the consumer report /disclosure as its required by law. Those are my federal protected consumer rights under U.S. Congress. Thats what U.S. Congress says. I have given the proof of evidence of documentation to back up my claims of accounts not reporting accurate, Incomplete and untimely manner as well as unverified. Experian seem to want to shift the burden of proof to me the consumer ( which now we arrive at another Violation under FCRA rules. I have ask via snail mail with certified receipts, proper documentation to correct or delete the accounts in question. I have also exercised my rights under FCRA section 611 ( a ) ( 7 ) the method of verification used to verified these accounts in question? I asked who did they actually talk to about these account listed here : 1 ) XXXX account # XXXX, ( XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX, ( XXXX ) XXXX XXXX  account # XXXX, This is taxable personal income and can not be reported on any consumer report XXXX Cancelation of debt from XXXX/ see attachment. Remove this account ASAP XXXX ) XXXX XXXX XXXXXXXX account # XXXX. E-oscar or Metro2 electronic verification is unacceptable as it contains the same errors of inaccurate information on it What real person was the one that verified these accounts. What are their names? what extension number did they use? what are the dates that they contacted the real person or reps of each company in question? what hard documents of Evidence has Experian gotten that the can furnish a copy to me so I can take a look at them? Experian can not just say anything without having documentation to back up their reasonable re investigation. Experian never contacted the data furnishers according to FCRA 15 USC 1681i ( a ) ( 2 ) ( A ) Prompt notice of dispute to furnisher of information evidence to back up their <<<verified claims>>>> according to FCRA section 623 I contacted at their 800 number XXXX says to me that they do not have any record of the account at all. <<<<NO RECORD FOUND>>>> that experian never contacted them???? so forth and so forth.. I have an audio recording of 2 reps from XXXX saying that no record exist and that the trade line is not what they report or ever reported.. Experian is in violation of the statues that clearly says they must follow the law. under XXXX act i need to get a copy of the records Experian claims the verified till now I have not seen any hard evidence of documentation to backup what Experian calls verified and accurate.
Consumer complaint received 2023-07-24
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 (OH)

Dear PayPal XXXX XXXX, I hope this message finds you well. I am writing to address the recent restriction and limitation placed on my newly created PayPal account. As a new user to your platform, I am eager to utilize your services for secure online transactions and adhere to all the terms and policies set forth by PayPal. 

To my surprise, I received a notification stating that my account has been restricted and limited. I would like to emphasize that I have not undertaken any transactions or actions that may have breached PayPal 's guidelines. As a law-abiding user, I am committed to following all the necessary procedures to maintain a safe and compliant environment for all users.

I kindly request a thorough review of my account and the specific reasons behind its restriction. I believe this may be a result of an inadvertent misunderstanding or an issue that can be promptly resolved. I assure you that I am willing to cooperate fully to verify my identity and provide any additional information required to reinstate my account. 

For your convenience, my registered email address linked to the restricted account is XXXX. Please direct any correspondence or updates related to this matter to this email address. 

I am dedicated to resolving this situation as swiftly as possible, and I would sincerely appreciate your assistance in reinstating my account access. If there are any specific steps I need to take or additional documentation I need to provide, please inform me, and I will comply promptly. 

Thank you for your attention to this matter. I look forward to a favorable resolution and to continue using PayPal 's services responsibly. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2021-01-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BBVA FINANCIAL CORPORATION (TX)

I spoke with BBVA compass rep. XX/XX/2020 about being in the hospital and regarding not being able to make payments at that time ... .and how the car note payment booklet they werent sending like they should have! I have been calling BBVA compass trying to get the charge off removed and account opened ... Sense XXXX No one has been able to help me ( they only quote its been charged off ) XXXX received no letters by mail stating any of the payment charge offs or letters requesting past due amounts
Consumer complaint received 2022-10-04
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. (NC)

XXXX XXXX XXXX is misreporting the account type On my report!! 

This is a medical collection! 

The account type is supposed to be medical debt based on Experians own credit glosssry!!
Consumer complaint received 2020-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MO)

XXXX  account was paid, settled in full and closed XX/XX/2019. 

This is my second request. It was showing late payments also after I had paid it off and the company closed it. It is now back on my credit report showing as a charge-off now. Which is negatively affecting my credit rating. 

Please help.
Consumer complaint received 2020-05-11
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. (MD)

EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEM WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR DISPUTED ITEMS AS WELL PURSUANT TO SECTION 609
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (NC)

equifax refuses to remove incorrect information on my credit report monterey collections, XXXX XXXX XXXX  and XXXX XXXX XXXX  and XXXX XXXX  and update my correct address. and refuses to remove incorrect inquires.
Consumer complaint received 2022-11-04
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. (GA)

These hard inquiries are not me : 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 2023-07-06
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: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX  New Inquiries XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, 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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2023-02-06
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. (AL)

I have disputed this a few weeks ago due to identity theft and it was removed. Now it is back on my file. I want this account removed IMMEDIATELY! 
Account to be removed : XXXX XXXX XXXX
Consumer complaint received 2023-02-06
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-09-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAP ONE AUTO ( Duplicate Reporting ) Capital One Account # XXXX CAPITAL ONE AUTO FINANCE is reporting to XXXX as - Derogatory 90 days late payment. And CAPITAL ONE AUTO FINAN ( Duplicate Reporting ) Capital One Account # XXXX XXXX  is reporting is as a Repossession.
Consumer complaint received 2019-10-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

Last year in XX/XX/XXXX I moved from XXXX XXXX to XXXX  I registered my car motor vehicle department ask me the title for the car ask my Nissan motor company to send a title to the XXXX   Vehicle Department so that they can register my car and that time in XX/XX/XXXX they said they have sent the document to the motor vehicle department of XXXX my car was registered on these terms I will be providing them the title. 
As in XX/XX/XXXX my registration got suspended. it was not renewed because of the title which I ask Nissan to send them one year before in XX/XX/XXXX I called Nissan in  XX/XX/XXXX and ask about the title and they said they going to send it right now so after 1 and 1/2 month and after everyday I call them everyday a new customer care person comes in and he starts a new filing for the sending title and after all that after 1 and 1/2 months they said that I should go to XXXX XXXX DMV to get the title after wasting my time for more about like one and a half month they told me to go to DMV New York when my car was not registered I am doing XXXX and XXXX for that reason that I wasn't going to the job I got job less I asked to send me the extension documents so I can have payment extension for these two months send me the extension documents of the payment and I send them back and they accepted the extension payment besides giving extension they also inform the XXXX   XXXX about my late statement anyhow I call XXXX  and filed a dispute for the information correction. Today I got the result from experience and they put my 3 months as a late payment so I have been in this regard this the same situation happened last year and I file a dispute and they were not able to unless I I filed a complaint in cfpb they were able to resolve my case and but still they put one month on my head so same thing they are doing now has me in this regard as its resulting financial crisis and I am unable to do the job and pay my rent and other bills because of the lowest score I am getting loan from XXXX XXXX and it's resulting in the hard inquiries on my credit report i am living with my XXXX kids and wife and got to situation of eviction when we were not having any place to live i am in worst condition of my life because of only nissan playing with my life you guys are only the hope for me i am looking forward for help from you to settle all this addition to that i am also filling a suit against Nissan in district court which brought me to worst financial crises of my life.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

On XX/XX/2020 XXXX  subtracted 48 points from my credit score because of a remark that was added by XXXX XXXX. That remark was immediately removed from my XXXX  credit report the same day by XXXX XXXX but XXXX  failed to restore and add the 48 points back to my score. 
EquiFax did the very same thing on XX/XX/2020 for 24 points and failed to restore and add the 24 points back to my total score. I have submitted complaints to both credit reporting agencies in writing to no avail. It's hard enough making the effort to raise your score then to have the actual credit reporting agency remove points so that all the companies out there and the underhanded finance system can continue to exploit the majority of people with high interest car loans and little to no capital payoff amounts. And are they supposed to do any of this during Covid-19 pandemic. If I can I would like to sue them in a court of law.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2017-05-02
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. (UT)

I have filed multiple disputes with ALL  XXXX  agencies attempting to have claims that are entered  two  and  three ti mes an d may v ary by a couple of dollars removed. There is a total of  XXXX  claims on my report of those 50 % or more are duplicated or entered  3  or more times. The one claim that is a real problem for me is a claim of  XXXX  which was not my medical bill. When I disputed the claim I was told that it was a joint account. I was not the person in the hospital, I did not get any services from the hospital and I do not expect to be harassed,  black ma rked for something I had no control over, additionally that account was paid  XXXX  upfront and that money was never deducted from the claim which was a workers comp claim to begin with as well as private insurance through  XXXX . Why I got the honors of it being reported on my credit was I married the wrong guy. The Reporting Agencies have an obligation to prevent this type of action but they perpetuate it and once the domino has fallen the other  XXXX  just fall right on down too. I have been damaged, harmed, denied, crippled because of this and it has become exhausting to fight or dispute the errors because it sets off another wave of reporting negative claims from the third party creditor, collector. I even went to the source of the original debt, they wrote the charge off but later recanted that write off almost 2 years after the fact. I also told them that I was having trouble with the collector agent but they said " He does whatever he wants to do ''. They were n't entirely wrong about that he does do whatever he wants to do even if it meant breaking out his fees from their bill and collecting on them both as separate judgement and written off debt. How is a girl suppose to get out from under that heap of  -- -- -- -- -- -?  I also went as far as the AG 's office but they are compromised because they collect debt from the original institution which is a hospital.  Medical Debt  is drowning myself and my spouse but the majority of this debt is doubled, tripled or ad a financial arrangement that should have cleared the debt. Help, Please.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2023-07-06
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number XXXX - IDENTITY THEFT XXXX Account number : XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-19
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: MOHELA (TX)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Consumer complaint received 2023-03-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Auto Finance is misstating the balance, reporting late payments incorrectly, failing to report a discharged debt or paid debt, reporting old debt as new or re-aged, closed accounts as active, reporting information over 7 years reporting civil judgments over 10 years, Their action has caused me harm by their continued abuses, violations, REPRISAL to the FCRA
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OLD NATIONAL BANCORP (IL)

On XX/XX/2022 I went to Old National Bank in XXXX, Illinois to the bank atm located right outside in the drive thru to deposit cash into my checking account. The atm took the cash and showed a message stating that the atm could not take all of the bills and the message continue to show for several minutes. After this it printed a receipt was given stating to contact your financial institution. No money came back out of the atm and no money was deposited into the bank account. The teller as the bank stated they have never had an issue like this and told me I should have come in to make a deposit. In this case they should not have an atm outside to deposit cash. A dispute was filed with the bank.