davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX serviced Account # XXXX has violated my rights. 
15 U.S. Code 1692c - Communication in connection with debt collection - ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies I HAVE THE RIGHT TO PRIVACY
Consumer complaint received 2020-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (LA)

I sent this company ( ENHANCE RECOVERY CO L ) a validation of debt letter to them and have not be responded to yet which was sent on XXXX XXXX they are sending me calls & mail about this {$1300.00} debt their trying to collect that I have knw knowledge about
Consumer complaint received 2020-12-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Southwest Recovery Services, Inc. (TX)

XXXX XXXX XXXX will not pick up phones or answer our emails. We called so many times and sent so many emails ( at least ten times ). We only used their terminal about ten times. We wanted to terminate because they were charging for services we never used. From XX/XX/XXXX till XX/XX/XXXX they charged us each moth and total charges were XXXX dollars. We did not use their services for this period at all. Finally we asked our bank to block it. We got the letter dated XX/XX/XXXX from SWRS ( South West Recovery Services ) to collect {$620.00}. I called them and explained that we do not owe any money ; rather XXXX XXXX XXXX  XXXX charged us XXXX dollars for no reason and should refund our money back. Lady goes it is for the equipment. I told her that we can send their terminal if they send us sticker that we can use to send it back to them. She says it is too late. She was so abusive to me and threatened me to damage my credit report.
Consumer complaint received 2023-05-26
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Paypal Holdings, Inc (CA)

ON XX/XX/2020, I TRIED TO CONTRIBUTE A SMALL DONATION TO A XXXX  XXXX XXXX BUT TO MY SUPRISE, IT DID NOT ALLOW ME TO SELECT THE AMOUNT THAT I WANT TO DONATE. IT AUTOMATICALLY SELECT THE AMOUNT OF {$85.00} FROM MY ACCOUNT, AND I WAS NOT ABLE TO CHANGE IT. ITS A MALFUNCTION OR JUST FRAUD BY XXXX XXXX XXXX. IT WAS MORE THAN I CAN AFFORD TO GIVE. I CONTACTED PAYPAL WHERE THE FUNDS WERE TAKEN OUT OF MY ACCOUNT RIGHT AWAY TO DISPUTE TRANSACTION, BUT THEY REFUSED TO REFUND MY MONEY. THIS IS CHEATING ESPECIALLY DURING THE TIME OF COVID19 DURING THE TIME OF FINANCIAL DIFFICULTIES.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Porania, LLC (GA)

Company : .US DIST CT RE : Account This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my pe

rsonal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

DEPT OF ED/XXXX  on all my credit reports shows I am late 90 days XX/XX/2019 but in XX/XX/2019 I am on time. This needs to be fixed with the credit companies
Consumer complaint received 2023-05-20
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. (TX)

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 reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2018-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (VA)

I sent in a letter to the company to have them validate the debt. I specially ask the to attach copies of agreement with their client that authorizes them to collect on the alleged debt, agreement that bears signature of the alleged debtor and a complete payment history on the account so as to prove that the debt amount they wish to collect is correct. They never sent me neither of those documents. The only documentation that they provided to me was a bill from XXXX XXXX XXXX bill cycle date XX/XX/XXXX-XX/XX/XXXX. THAT IS NOT PROPER VALIDATION!
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I looked at my credit report on Date, and noticed some things are incomplete and not accurate. I sent a letter to Experian on Date and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too.

Here are the list of accounts that are not reporting accurately delete accounts immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX 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 2023-01-26
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. (MS)

It's been XXXX  days since I've sent in a letter to each credit bureau requesting that that they tell me how they verified some inaccuracies on my credit report. They sent me a vague response with no explanation and now I feel like I am being taken advantage of. My credit is a serious matter to me and I feel like they are not taking the issue at hand as important as they suppose to. I am prepared to file for litigation if necessary. I need assistance with this issue.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-15
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: CITIBANK, N.A. (NJ)

In XX/XX/2020 CITI Card CBNA added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, CITI Card CBNA has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
Consumer complaint received 2023-01-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NC)

Today, XX/XX/XXXX, my PayPal associated with XXXX was permanently limited with me unable to access my funds for up to 6 months. On top of that I had pending refunds going to that account that I can no longer receive from the companies.
Consumer complaint received 2020-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

Today on XX/XX/2020 I tried to send my friend XXXX a single mother struggling to feed her kids, XXXX . I by accident sent it to the wrong person. I contacted pay pal and they said they can't do anything about it. They told me to email her and ask for it back. This is crazy. They Needed that AND IM STRUGGLING TOO. AT A TIME LIKE THIS THIS IS HOW IM TREATED. I NEED HELP PLEASE ...
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-08-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (OR)

The statement has a Total affiliated with only XXXX license plate number. 
Actually there are XXXX license plate numbers shown in the Tag No. column. Also, the Total is {$10.00} more than the sum of the amounts shown when adding up the Amount column. There is no explanation or category that explains the additional amount. They are also threatening me with immobilization and impoundment etc. This seems like harassment.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I mailed out letters to XXXX, XXXX, EXPERIAN certified, they received them on XXXX XXXX. 
I received a stall tactics letter ( below is what was said. ) I used information that is available to everyone and they denied my letters also provided my ID and Social as proof it was me and used a mail service to send out the letters. 

Letter from XXXX - We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. 

We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or " credit clinic '', they have to identify themselves in their communications to us, and provide proof that you've authorized them to communicate with us on your behalf. 

It's important to know that if you see something on your XXXX credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. If you've hired a credit repair company and they insist on payment up front, encourage you to misrepresent your credit information or instruct you not to contact a credit reporting agency directly, they are not acting lawfully. Learn more about credit repair and your rights at transunion.com/repair letter. 

If you feel you received this letter in error, please contact us to confirm your identity and the information you wish to dispute. You may do this by visiting transunion.com/credit-disputes and selecting " Start Dispute '' or you may contact us by phone at XXXX Monday - Friday XXXX - XXXX Eastern and on Saturday & Sunday XXXX - XXXX XXXX, excluding holidays. 

You can count on us as a resource as you work to achieve your credit health goals - we want you to be able to get the financial opportunities you deserve. 

Sincerely, Your TransUnion Support Team Please do not reply to this e-mail. This mailbox is not monitored and you will not receive a response. 

FCRA states that all Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency XXXX continue to report information it has verified as accurate. Upon receiving notice, the documents sent are certified mail.
Consumer complaint received 2019-07-22
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. (VA)

XXXX XXXX XXXX XXXX at : XXXX involving case : XXXX is incorrect. The account remains open according to the U.S. Office of Personnel Management.  The account has a {$0.00} balance. The account was closed as satisfied BY ME, THE OWNER, THE ACCOUNT OWNER. Let 's do this again for the third time. The account was open and remains open per OPM on or about XX/XX/2019.
Consumer complaint received 2023-06-15
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. (FL)

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. 

1. XXXX XXXX account # XXXX 2. XXXX XXXX account # XXXX 3. XXXX XXXX XXXX Account # XXXX 4 XXXX XXXX Account # XXXX 5. XXXX XXXX XXXX account # XXXX Have violated my right! 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (CA)

In accordance with The Fair Credit Reporting Act ( FCRA ), XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX. Acct # XXXX, XXXX XXXX XXXX. Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXX Acct # 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 an account without written instructions.

all the proof of dispute certified receipts are attached as well as the reports showing other reporting violations other than my Privacy. These Creditors and the Reporting Agencies Experian, XXXX XXXX XXXX XXXX have violated my rights pertaining incorrect or incomplete reporting 15 U.S.C. 1681i Paragraph ( 5 )
Consumer complaint received 2023-02-14
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$5900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$270.00} XX/XX/XXXX