davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-25
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 constantly check my credit report and noticed that the errors and false misleading information for individual accounts didint quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to encore the correction and deletion of these items.
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (FL)

I am formally requesting the deletion and removal of the following accounts and information from my consumer report. The accounts and details listed below should not be reported on my consumer report, as it directly violates the FDCPA and FCRA. It is imperative that these accounts and information are promptly deleted and removed from my consumer report to comply with several laws. I expect immediate action to remove these accounts and information.
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (WI)

My wife and I were notified through XXXX, that DMI/XXXX XXXX XXXX  XXXX has flagged our account as 180 Days Past Due on XX/XX/2021. 

This is in violation of the Forbearance Settlement Agreement ( page 4, line item 15 and past, regarding credit reporting ) currently in place, now current with 0 late payments with every payment made on time, as reported in all XXXX and DMI records, since the start of the agreement on XXXX XXXX, and agreed to and signed by both the lender and the borrowers. 

This is unduly devastating to the borrowers financial matters.
Consumer complaint received 2023-08-09
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. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (FL)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. 

I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE THEM WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

TO MAKE THE DELETION PROCESS EASIER, I ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! 

Account Name : XXXX XXXX XXXX ( XXXX, XXXX, Experian ) Original Creditor : XXXX Account Number : XXXX Account Name : XXXX XXXX ( XXXX, XXXX ) Account Number : XXXX
Consumer complaint received 2023-11-10
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. (MD)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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. 




Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-10-18
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. (NY)

I just received my reinvestigation back from TRANSUNION. THEY SAID EVERYTHING IS 100 % COMPLETE AND ACCURATE. I WOULD LIKE TO RECEIVE THE DESCRIPTION ACCORDING TO 15 U.S.C 1681i ( 7 ).

BECAUSE THE LIST OF ACCOUNTS BELOW ARE NOT ACCURATE. THE OPEN DATE, DATE LAST ACTIVE, AND DATE OF LAST PAYMENT IS NOT 100 % ACCURATE. 
XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX THEY DID NOT MODIFY OR DELETE THE INACCURATE INFORMATION ON MY CONSUMER REPORT ACCORDING TO 15 U.S.C. 1681i ( 5 ) ( A ) ( i ) I attached my credit report as evidence.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WA)

My mother passed away and left a commercial property to my sisters and I. The funds were a wire transfer. I did get the funds into my Chase bank account ( checking and savings ). We closed the sale on XX/XX/year> and I was informed by the bank that my account was restricted and that they would not pay anything more and that I could not take any money out. On around XX/XX/XXXX I found out that they are planning to close my accounts I have several XXXX XXXX dollars in there, so they closed it on XX/XX/year> said they would send me a cashiers check. I called to see what was going with my funds and they said it was in collections or claims, I Could not and still don't understand. They told me that they could not verify the LLC, my sister is the manager of the property. They finally called her and verified so they said they were going to put in a request to release the funds This morning Monday XX/XX/year> I received a call from Chase and they said it was denied because they couldn't verify the wire transfer. Now I'm really upset that they are doing this to me, my sisters had no problems in their banks.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I had a business I was operating that was extremely affected by XXXX XXXX. During covid i had an extremely hard time paying my employees and my bills, and I had some late payments that occurred as a direct result of covid. I actually had to end up closing my business down due to the pandemic which has put me in a financial crisis till about a few months ago. 

For capital one, I missed 3 payments. 
XXXX XXXX XXXX and XXXX and in XXXX in XXXX. 

I also had to close this account due to covid. I was affected from early XXXX till late XXXX as I had to shut my business down and get a job and pay off business debt.
Consumer complaint received 2022-10-18
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$84.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NV)

LVNV FUNDING LLC has placed a collection account on my credit report without providing debt validation in compliance with 15 USC 1692g ( a ). Attached is a debt validation request. Please be sure to provide all documentary evidence that proves that I owe the alleged debt. This includes any and all original documents with my wet ink signature.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (PA)

On XX/XX/2023 I paid for an XXXX for an entire month 's stay. The amount was for {$1600.00}. I had no where else to stay and needed to stay here and XXXX has strict refund policies and cancellation policies. Upon arrival there were many dirty walls, scratches on the walls, dents. The toilet started to leak randomly XXXX day and they had to send someone to fix it the following day which ended up flooding the bathroom. The XXXX host gave specific parking instructions on where to park your vehicles and what days of the week you're able to park in specific spots. Followed their instructions precisely and my car still ended up getting towed. I use my car for work and missed out an entire day 's wage and had to pay to retrieve my car back. The XXXX host admitted to no fault regarding to my car being towed and was unaccommodating to the apartment 's conditions which led to me disputing the entire amount I paid for the stay. Apple denied my claim because they don't see a billing error ( their words ) and I received my goods. In the picture with the blue lines that's where my car was parked when it got towed and it was on a day where I was allowed to park there.
Consumer complaint received 2023-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (GA)

I have tried to call Edfinancial to fix account information and get information on my loan. I have called multiples times, and emailed them, and never have gotten a response. I signed up for a 10 year repayment program that allowed me to make payments for ten years and then my loan would be forgiven. I was 6 years into this program when the deferments hit. There was a count down on my old account before my loan was transferred to Edfinancial. Now all of this information is gone and there is no notation of it on my account at all. I have tried continually to reach out to Edfinancial before payments begin again and they will not respond via email or return/answer my phone calls. Ive sat on hold only to be hung up on as soon as the call was connected, never to have the call returned. I had no choice in who my loan was transferred to, and this company has a history of lying to people about forgiveness programs. I will not be another of their victims. If they can not handle the amount of accounts they should transfer the amount they cant handle. I would prefer not to pay a legal team to reach out to them, but if thats what it takes that is what I will do.
Consumer complaint received 2021-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

Greetings. 

Yesterday, XX/XX/XXXX I got the email saying " You can no longer use PayPal ( Ref ID XXXX ) ''. First of all, the customer support is not helpful at all, they don't know what they are doing. Now, my take on this complaint : I have been using PayPal since 2012, I run a small hobby that helps me support my family and I accept payments via PayPal. I have never violated any PayPal policies or engaged in any fraudulent activity, I know this for a fact and this is true. My PayPal account has been permanently deactivated and PayPal holds my money XXXX XXXX XXXX USD XXXX for " 180 days before they can release it '' - their statement. I am not able to withdraw, send, or receive payments anymore. I believe this to be a mistake on their part and I am sure if they would check my account they would find a perfectly healthy account run by a good-hearted person. No fraud, no chargebacks, no violations whatsoever. The only chargeback we had in a long time was a mistake from my customer, I have email proof of our conversation where he admits this to be a mistake and apologizes. I will gladly provide proof if such a need arises. 

PayPal claims this account termination is done to prevent fraud, like I mentioned before, anyone with a pair of eyes can see ( after checking my account ) that no such thing can be said about my account EVER. In fact, by holding my money they themself become which they are fighting against - fraud. 

Please help me get my money back. I have earned them with honest work, I worked hard to earn them, PayPal earned a fee off of each of my transactions, now they are holding my money and at this point, it looks like a fraud to me.
Consumer complaint received 2022-10-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$84.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2022-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Thank you for reading my complaint. I contacted TransUnion numerous times about allowing incorrect addresses to be on my credit report. I requested the information be removed and they would just send me stall letter, saying I didn't prove who I was. I would accompany a copy of the front and back of my identification, social security card, current bill and notarized letter. I have been asking for this to be removed from my account since XXXX. I have asked for the method of verification and still nothing being provided to me.They are aware that I am a victim of indemnity theft and this institution hasn't helped me rectify this situation. 
-incorrect address -closed accounts that aren't mine -credit inquires -collection that isn't mine -incorrect employment - late payments that aren't correct I have been in contact with XXXX in regards to an account that they are allowing to be reported on my credit account. I have been reaching out to them since 2019 and they refuse to send me any method of verification. I have been writing them via certified and notarized mail, but the account hasn't been removed from my account. They are still reporting my name incorrectly, regardless of how many times I send in my proof of my identity. They are reporting a credit inquire that is incorrect as well. 
-inquires -incorrect addresses incorrect name -incorrect employment -late payments that aren't correct XXXX is still reporting four accounts that I have in formed them that aren't mine. They are still reporting my name incorrectly, incorrect employment and incorrect addresses. I have been contacting them since 2019 and to no prevail. they are also reporting credit inquires, that aren't correct. I contact them again and still no resolution. 
- incorrect addresses -incorrect employment -credit inquiries -accounts that aren't mine incorrect names -late payments that aren't correct Not only are they violating FCRA. There is section 604 15 U.S code 1681 B, Section 15 U.S code 1681 C-1 and section 605 B U.S code 1681 C-2
Consumer complaint received 2023-05-16
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 received my dispute results from XXXX via email on XX/XX/2023. My initial dispute was on XX/XX/2023. XXXX did not provide their method of verification. Who did you speak with to verify the accounts? What phone number did you use to contact them? What date did you speak with them? What address did you use to contact the companies? Provide the disclosures between me and the companies of me giving them permission to report my account information on my credit report. Reporting my account information without my consent is a violation of my rights.
Consumer complaint received 2022-10-09
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-05-11
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-18
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. (CA)

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 : 1. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-05-16
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. (TX)

My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the ftc. Please see the attached ftc report, equifax data breach file number, and my proof of identity. Remove the 2 collection accounts and the inquiries listed on the report.