davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-01-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

On XXXX my cell phone SIM card was stolen, ported out to a different carrier in a different state. 

I work for a direct sales company called XXXX XXXX. XXXX XXXX pays me commission to sell their product. To receive my commission they charge me {$2.00} a month for my money to go to a hyperwallet by a company called XXXX XXXX. There is NO other option to receive commissions from XXXX XXXX. We HAVE to use XXXX XXXX. I had/have a bank account linked to the XXXX XXXX site to transfer funds from XXXX XXXX to my bank. 

On XX/XX/XXXX the criminals that stole my phone number, accessed my XXXX XXXX account and added someone else PayPal account, and transferred {$1600.00} out of my XXXX XXXX and that Pay Pal Account. I was unaware of the theft as the criminals had also taken over my email accounts. So I was completely unaware that any changes had been made or that any money was transferred. 

Once I learned of the theft ( aprox XX/XX/XXXX ) - I contacted XXXX XXXX for help. I was told over the phone that they were escalating my case but that I needed to contact Pay Pal to try and resolve this through them. 

I contacted Pay Pal and they told me that since the money wasn't deposited into my Paypal account that they couldn't help me. 

I contacted XXXX XXXX and they requested documentation, which I sent them. Part of that request was for a copy of my conversation with XXXX XXXX. When I contacted XXXX XXXX to request a copy of my conversation with them, I was told that they couldn't give that to me that XXXX XXXX needed to contact them directly. 

On XX/XX/XXXX XXXX XXXX sent me this email : " The investigation for this case was completed today, and we will not be able to refund the requested amount back to you. XXXX XXXX is a third-party vendor to XXXX XXXX, and we are not responsible for the security of the account. "
Consumer complaint received 2023-05-09
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. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2023-01-10
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. (TN)

Account Name : XXXX XXXX XXXX Account Name : TXXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX under these laws accounts must be removed 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2023-05-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX
Consumer complaint received 2022-03-23
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: Allied Collection Services, Inc. (Nevada) (NV)

I Supplied XXXX with detailed information and Legal Federal regulations in reguards to the cares act it took them over 30 days and I recieved back the same results I spoke with a lady on XXXX XXXX @ XXXX XXXX confirmation # XXXX and stated they have to remove this imediatly as Allied Collection has not provided anything relevant to proceed with the negative report XXXX is operating against federal reporting guidelines
Consumer complaint received 2018-03-06
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. (NJ)

This company has inaccurately been reporting their address on my credit file I have sent a numerous amount of letters over to the company and they have all been returned. Reporting anything inaccurately on a credit report is a violation of FCRA! they have provided a false address to reach them. Also, the account number on my account is reporting inaccurately I am not familiar with it. It also says this debt has been charged off which means this contract was cancelled there is no contract!
Consumer complaint received 2023-06-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Good day, I've been doing my research because you keep ignoring my complaint. I was making my payments on time and I have raise this since then. you can see my credit report and I'm making payments on time but why did you ignore me even I tried to explain myself. I had XXXX  back on XX/XX/2022 and I miss just one payment. please hear me out have this last reported on my 2 accounts remove that appears on my letters **CARES Act** *If you are current on payments and make special arrangements, creditors must report the account as current. 
*If you were already delinquent on payments and you make special arrangements, your account will be reported as delinquent until you bring it back to current. 
*Late and missed payments CAN NOT be reported if you have already made arrangements. 

I HOPE THIS TIME YOU CAN START READING IT
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My information was impacted by the XXXX 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, XXXX data breach file number, and my proof of identity. Remove the 2 collection accounts and the inquiries listed on the report.
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

After sending back requested information, they still refuse to correct and/or remove incorrect information therefore when I apply for credit, I 'm denied because the fraud alert placed due to identity thief requires that they call me before issuing any type of credit in my name
Consumer complaint received 2023-05-16
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Leviton Law Firm, Ltd. (CA)

On XX/XX/2023, Leviton Law Firm , Ltd., sent a letter trying to collect a debt I didn't owe. That letter gave me 10 days to respond, but the letter wasn't received by my office until XX/XX/2023, after the expiration of their unilateral deadline ( unfair act # XXXX ). 

I responded the day I received the letter, sending an explanation of why I don't owe the debt along with backup documentation. 

On XX/XX/2023, I received another letter from Leviton Law Firm , Ltd., which gave me five days to respond. That letter was dated XX/XX/2023, and it also arrived after the deadline ( unfair act # 2 ). 

On XX/XX/2023, I called XXXX XXXX at Leviton Law Firm, Ltd. 

Eventually, XXXX acknowledged my XX/XX/XXXX response but only after I mentioned it several times ( deception # 1 and unfair act # 3 ) and only after he raised his voice at me so loudly that I had to pause the conversation and decide whether I wanted to continue talking to him ( abusive conduct # 1 ). In pitched tones, he said, '' What? Do you think this is going away? This isn't going away. We've already started the process. You're already in the process. '' Initially, he called my XX/XX/XXXX email a " dispute, '' as if that made my email somethingless than a response ( unfair act # XXXX ). It was a response. The letter that I received on XX/XX/2023, started out with the comment " since we have not received a response from you .... '' That statement is untrue ( unfair act # 5 and deception # 2 ). 

XXXX didn't acknowledge the attachments to my response ( unfair act # 6 and deception # 3 ) until I asked point blank if he had looked at them. He then told me it didn't matter what I had to say because he had the records from XXXX  ( unfair act # XXXX and abusive conduct # 2 ).

I do not know what he meant when he said I'm " already in process. '' But, it was clear to me he wasn't attempting to resolve this matter. He was using scare tactics ( unfair act # 8 ). 
This is especially true because I told him that I spoke with XXXX  ( on XX/XX/2023 ) to make sure that both the policy I knew about and the strange reissued policy that I didn't know about were canceled at the same time. He refused to discuss the point ( unfair act # 9 ) and told me, in raised voice again, that it can take XXXX  30 days to process a cancellation. This is irrelevant because that is a procedural issue, not a cancellation effective date issue ( deception # 4 ).
Consumer complaint received 2023-06-12
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. (MI)

I appreciate your time to remove some of the information in my file that resulted from alleged identity theft but I have ITEMS left that need to be removed or blocked. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. These are the items that need attention in my credit report : XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance XXXX {$15000.00}, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$6900.00} , XXXX XXXX XXXX  XXXX Balance : {$1200.00} , XXXX XXXX XXXX Balance : {$1800.00}, XXXX XXXX Balance XXXX {$3900.00}, XXXX XXXX XXXX XXXX Balance : {$6800.00}
Consumer complaint received 2023-08-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

XXXX the phone company has stated that I owe them money for a phone bill while I was on XXXX XXXX XXXX. Not only was it illegal what they did since I was on XXXX XXXX XXXX  and I actually went into their store to pause our services during XXXX time. They were charging me {$120.00} so I went ahead and paid it. Theyve continued to sell the debt to different collection agencies. Ive now paid the same debt twice. A new collection agency Jefferson capital systems is now hounding me to pay this debt. I have sent them receipts of other transactions that Ive paid for the same debt. I have called their office. They never have anyone that answers the phone and they instruct me that my account is to be handled by a different phone number, which is not a working number. I have emailed them and texted them copies of the receipts. No ones gotten back to me and they continuously add the negative debt to my credit report. I feel as though theyve broken many laws and rules both Jefferson capital and XXXX XXXX. Id like this debt removed from my credit ASAP given all of this evidence.
Consumer complaint received 2023-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I have been dealing with ID theft issues, etc. since the XXXX at which point I was a preschooler apparently with a mortgage. I had to end up freezing my credit reports in the early XXXX and have had numerous fraudulent accounts opened in my name since unfreezing in XXXX. I was unfortunately a victim of several major data breaches, including the XXXX data breach of XXXX. Now, Resurgent Capital Services L.P. c/o LVNV Funding LLC is negatively reporting a debt of {$1800.00} which it alleges that I owe although I have previously contacted these people and the FTC about ID theft regarding 2 other fraudulent accounts that they were attempting to collect on which have since been closed after research. Now this current account has emerged from out of nowhere. I have no knowledge of this account nor the other 2 they ended up closing after research and they have only provided a digitally signed document after 60 days of correspondence. I am not even sure where this money went but I have had bank accounts, credit cards, and business accounts associated to me fraudulently for a number of decades now. They have not provided any indicia of proof that the digital signature sent is in fact mine nor any proof that I received the alleged money owed. I have asked to provide information regarding their validation of this alleged debt which they have failed to do as well. Further, they have not provided any information or proof that they own this debt ( i.e. the purchase and sale contract/agreement regarding the purchase of this debt from XXXX ).
Consumer complaint received 2023-01-10
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: PNC Bank N.A. (CA)

OPEN A BUSINESS ACOUNT WITH XXXX BANK WHICH WAS TAKEN OVER BY PNC BANK. 
I WAS ISSUED A SECURED BUSINESS CREDIT CARD, I WAS TOLD WHEN I USED THIS CARD AND MADE PAYMENTS ON TIME THE BANK XXXX ( PNC ) WOULD REPORT TO XXXX CREDIT BUREAUS XXXX XXXX XXXX XXXX, BUSINESS XXXX AND XXXX XXXX, THIS WOULD ALLOW ME TO ESTABLISH BUSINESS/CORPORATE CREDIT. 
AFTER 2 YEARS OF HAVING THIS ACCOUNT IN GOOD STANDING, XXXX NEVER XXXX MY BUSINESS PAYMENT HISTORY, TO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX LIED TO ME, AND WERE NEGLIGENT, THIS CAUSED MY CORPORATION, TO NOT ESTABLISH CORPORATE CREDIT AND THUS I WAS NOT ABLE TO MOVE FORWARD WITH EXPANDING AND GROWING MY BUSINESS. 

i FEEL I SHOULD BE REWARDED {$25000.00} IN DAMAGES.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (TX)

I appreciate your assistance in removing some of the fraudulently obtained information from my credit report, however there is still information that has been forwarded to me that has to be deleted or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My lawyer is eager to hold you accountable for your tenacious rebelliousness after I informed them of my intentions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-04
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. (TX)

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XXXX  Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-06-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I am writing to file a formal complaint against the credit bureau, regarding their failure to respond to my letter requesting an investigation and deletion of a medical collection account under {$500.00} on my credit report. It has been over 30 days. I sent the letter out on XX/XX/2023. 

As per the FDCPA guidelines, the bureaus are required to investigate and respond within 30 days. I haven't received anything.
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONSTAR MORTGAGE LLC (AR)

XXXX ONCE AGAIN IS ALLOWING A TRADELINE REMAIN AFTER NATIONSTAR XXXX RECEIVED DEED AND ALL XXXX TRADELINES ARE GONE. 

DELETE THIS AT ONCE OR BE SUED. SEE ATTACHED
Consumer complaint received 2023-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

To rebuild my credit rating i aquired a secured credit card through citti bank. I made on time payments for years they never gave me an actual credit card ( that's insulting ) and in turn later found out they were charging monthly fees for a secured credit card! Borrowing from my own money. None of the money they say i owe is anything i used but all fees. They closed the account before i could. saying i owed this full balance of {$400.00} some dollars on a secured credit card of {$300.00}. I had to call them to tell them that it was secured credit card of XXXX to get the balance lowered. Check them out! They hate me treated me like garbage from the beginning and they truly dont deserve the money they say i do that is all fees. They are sending me a new bill each month with a higher balance when i have told them i dont owe them anything. I say that is harrassment. How are they increasing my balance when the account is closed.