davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-20
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$7300.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$630.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IN)

I received an email from XXXX XXXX ( XXXX ), whom I don't know, today XX/XX/23 at XXXX XXXX. There was a pdf invoice attached that had the PayPal and XXXX XXXX logos on it. I haven't done any business with XXXX XXXX. It said my account has been charged with {$340.00} USD and will be deducted from my account within 24 hours. It says if I don't recognize the transaction or want to cancel the charges, to call XXXX. It said it's for XXXX XXXX. I didn't call the number because I think it's a set up. I did call my local XXXX XXXX at XXXX XXXX, and they verified that it must be fraud. 
I am going to block the email address this came from.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I want to report some fraudulent inquiries that are on my Experian credit report and I want them to be deleted as soon as possible. Here are the fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting 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. (NY)

I DO NOT RECOGNIZE ANY OF THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting 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)

I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks...

If, any reinvestigation under paragraph ( 1 ) of any information distributed 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...

( 1 ) 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 investigation ; and Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
Consumer complaint received 2023-02-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CountryPlace Acceptance Corporation (TX)

I would like to know why when I go to my balances it only says I started making payments on XX/XX/2020 when I made a payment on XX/XX/2020. 

Why on my payoff statements my loan type says single family and then it was changed to single family title II?
Consumer complaint received 2023-09-08
Product: Credit reporting 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)

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete for Violation 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE XXXX - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX Please remove this inaccurate information from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Health Investment Company, LLC. (GA)

The original creditor is XXXX XXXX XXXX XXXX and I owe them {$0.00} dollars and XXXX ( XXXX XXXX XXXX XXXX ) knows that I owe {$0.00} but this reported to XXXX a {$700.00} balance. I can not believe XXXX  would let this bogus company report this as a collection account when I owes XXXX XXXX XXXX XXXX {$0.00}. I want XXXX  to remove this account from my credit file immediately. The account number is XXXX with XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Texas XXXX XXXX states that if a tenant is a XXXX XXXX XXXX XXXX and the XXXX is also on the lease then the victim can move without any notification to anyone. Also i am not held responsible for any of the remaining balances. Ive attached a copy of the police report as well as the tenant laws for your records.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Please see ALL attachments of the 3 - bureaus inaccurate reporting errors attached to this complaint. 

for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX : XX/XX/XXXXXXXX  Experian 's National Consumer Assistance XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Experian PLEASE TAKE NOTICE : I noticed the following issues with these accounts on my credit report : Account Name : XXXX XXXX  Account number : XXXX Account status is misleading : showing different information per bureau. 
Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
Account Name : XXXX  XXXX Account number : XXXX Account status is misleading : showing different information per bureau. ( see attached inaccuracies ) Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
Account Name : XXXX XXXX XXXX Account number : XXXX Account status is misleading : showing different information per bureau. ( see attached inaccuracies ) Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
Account Name : US DEPT OF ED/XXXX Account number : XXXX Account status is misleading : showing different information per bureau. ( see attached inaccuracies ) Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
XXXX XXXX. 
Account Name : Account number : XXXX Account status is misleading : showing different information per bureau. ( see attached inaccuracies ) Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
I did some research about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed. 
Experian is in violation of 15 U.S Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished deleting the inaccurate accounts. I hope this will be soon. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX I purchased a product called : " TransUnion Report, Score, and 3-Bureau Credit Monitoring ''. I noticed the same day that it was not giving me access to the product after I purchased it and was trying to make me pay again. It gave me my TransUnion Report and Score but not the three bureau credit monitoring. On XX/XX/XXXX, I spoke with an agent and they thought my problem was logging in even though I explained that wasn't the issue. After being on hold they said they couldn't figure it out so they put me on hold again and then put me on with a supervisor. After I explained to the supervisor what the problem was, I heard silence for maybe a minute, then it took me back to the initial prompt you get when you call. The supervisor had hung up on me. I then got an agent online. I gave my information, and explained the problem. The online agent first told me that I had only paid for the TransUnion score and report, but I told them I had the receipt which said " TransUnion Report, Score, and 3-Bureau Credit Monitoring '' and was charged the amount the product costs, XXXX. I provided the order number and date of purchase as well. They then told me that 3 bureau credit reporting and 3 bureau credit monitoring were two different products, and that I would have to pay again to get credit monitoring. I clicked on credit reporting and saw that I didn't get the other two credit reports either. So this explanation made no sense. They didn't offer a refund but when I pressed them I asked for a refund and they gave it to me. They then charged me and issued a refund again for the amount they had just charged me. I was appalled by how deceptive this product was and how they tried to get me to pay again for a product I had already purchased and had a receipt for.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (SC)

I have XXXX in investment account and I want my money back! They cant take someone money bc my checking account got restricted. They said they wont give my money back because of my checking what have nothing to do with my investment.
Consumer complaint received 2023-09-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kirschenbaum & Phillips P.C (NY)

My bank account became frozen on XXXX XXXX suddenly and i got noticed from my bank that my bank account is restrained by debt collection judgement .After couple days i got letter from the debt collector agency Kirschenbaum & Phillips , P.C . Showing XXXX XXXX XXXX has a court judgement order given on XXXX XXXX. I am confused after such a long period they can still sue for the debt where its like time barred or expired statue of limitation.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

I made Several attempts to XXXX, XXXX, Equifax remove the Bankruptcy off my credit report. it showing that I filed a XXXX XXXXXXXX with i didn't. and XXXX XXXX I ask them to verify the information and they haven't been able to. I need this to be remove from my credit report and it in violation of the Fair credit Reporting Act 1970.
Consumer complaint received 2024-04-01
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. (NY)

I checked my credit report and I can still see the Fraudulent account that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I have written and sent correspondence via certified mail : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX to Equifax on XX/XX/XXXX   advising of several inquiries and accounts fraudulently reported on my credit report ( by the company ). A Federal Trade Commission report ( specifically, a Police Incident Report - # XXXX ) was filed and provided to Equifax in the same manner. Likewise, Lastly, I initiated a claim with the CFPB on XX/XX/XXXX  ( Case # : XXXX ). Included in my submission to the CFPB was the entire correspondence packets inclusive of Drivers License, Social Security Card and Police Report as sent to Equifax. From the time of its receipt of my correspondence on XX/XX/, Equifax had four days, according to the law, to remove these items. Instead of these items being removed, I received correspondence ( see attached ) from Equifax dated XX/XX/XXXX  stating they were unable to locate a credit file in their database and requesting that I provide additional documentation to verify my identity- ALL OF WHICH WAS PROVIDED IN MY ORIGINAL CORRESPONDENCE SENT TO EQUIFAX AND RECEIVED BY EQUIFAX ON XX/XX/. THIS INCLUDED MY DRIVERS LICENSE AND SOCIAL SECURITY CARD. I also received correspondence in response to my previous filing of the same claim stating that the reported items were found to be verified. Equifax is obligated by the FCRA to accurately verify consumer data prior to it being reported. I am now requesting Equifax to provide documentation used to verify these accounts and inquiries were indeed authorized by me. Equifax has 15 days to provide me with the name of the person spoken to, documentation used, signed application with my signature in wet ink. Please be clear, I am not asking for an e-Oscar report. If Equifax does not have the documentation as requested to show these accounts and inquiries were in fact authorized by me, per the law, they MUST be removed ASAP. Equifax is liable under the SEC to follow certain rules. The Equifax Commission file number is XXXX ; its Tustees are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, New York XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX. I will also be filing OMB Treasury Form 211 to request an audit of the consumer file. Lastly, Equifax is securitizing consumer data, yet refused to provide me with a copy of the consumer file ( not the consumer report ).