davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Bankruptcy ref # 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-14
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. (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 corrected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-18
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: United PanAm Financial Corp. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 my written instructions.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2022-11-07
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX XXXX XX/XX/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 2023-02-14
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)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

My checking accounts were closed without giving me justifiable cause and they don't want to open personal checking accounts for me and they also don't want to open business accounts for me and I have an employer identification number ( EIN ) that the IRS assigned to me, preventing me from starting to operate with my business which contributes or is a cause of recession, if I can not have a checking account they are preventing me from meeting my financial obligations and paying my debts.
Consumer complaint received 2023-03-16
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. (KY)

In accordance with the Fair Credit Reporting act XXXX, ( XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-12-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NY)

One Main Financial Debt collector calls me many times throughout the day. I have told them I can not talk because I am working. They call back within the next 15 minutes. I revive about 8-12phone calls a day between XXXX XXXX and XXXX.
Consumer complaint received 2023-01-21
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. (CA)

There is an account I do not recognize on my transunion account. It was already removed from XXXX and now Id like it removed from transunion. Its from XXXX XXXX XXXX.
Consumer complaint received 2023-03-02
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: Servatus Corporation (CA)

Ive had issues with my identity being stolen and there are several collection accounts I have tried for years to have removed. One from XXXX XXXX XXXX and two from Credit Corp Solutions. I have filed police reports on the accounts but company and reporting agency verify them as accurate.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MD)

I have been trying to pay off my account with XXXX since XX/XX/XXXX. I mailed a check for {$11000.00} on XX/XX/XXXX to XXXX XXXX XXXX XXXX, TX XXXX which is the address listed on my statements to make a payment by mail. According to Comenity Bank, this check was never received. I contacted my credit union to have that check cancelled and have them issue a new check which was mailed directly from XXXX to the same address on XX/XX/XXXX in the same amount. Again, Comenity Bank said this check was never received. I sent copies of the front and back of the check as requested. On XXXX XXXX Comenity Bank sends me a letter saying they received my claim and are currently researching it. On XXXX XXXX I receive a letter from Comenity Bank stating there is no record of my payment and I now owe {$800.00}. I once again contact my credit union to have the check canceled and reissued, pick up the check and go to a XXXX  store located at XXXX XXXX XXXX. XXXX, MD XXXX to pay in person and I was told by XXXX that they couldnt accept a payment in store over {$1000.00}. She gives me XXXX numbers to call, XXXX of which I received a message saying I was unauthorized to call. The other is to XXXX XXXX customer service who transfers me to Comenity Bank. I ask the customer service rep what is the address to make an overnight payment and he proceeds to tell me that there is no address to make an overnight payment. He gives me the XXXX XXXX XXXX address and I explain to him Ive mailed XXXX checks to that location which were never cashed. I called customer service line a few days prior to confirm the mailing address and they tell me it is located on my statement. I respond with I dont have my statement in front of me and with an attitude she states XXXX XXXX XXXX XXXX XXXX TX XXXX. This is NOT what is printed on the statement! I also called customer service this morning to inquire how long it takes for a payment to post because according to my statement, a payment mailed to the overnight address is credited the same day received if it arrives before XXXX XXXX. I have confirmation my package was received and signed for by XXXX on XX/XX/XXXX at XXXX. My account has not been credited as of XXXX XXXX XXXX XXXX  which is the time Im writing this. I am now forced to have to pursue legal action and I have various phone calls and the store visit all on video so may the odds be in their favor. I have called customer service and written Comenity Bank NUMEROUS TIMES over the past XXXX months. These people are unprofessional and DO NOT CARE about trying to close this dispute. They have received my checks and are refusing to cash them. DO NOT OPEN AN ACCOUNT WITH THEM. Seems the only payment they are willing to take is over the phone or on their website.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NV)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Brown and Joseph, Ltd (NY)

A company called Brown and Joseph from XXXX Illinois is claiming to represent XXXX XXXX. They have called me a least a dozen times and I have gotten a letter also claiming I owe {$1000.00}, I do not owe any money to XXXX and have confirmed this with XXXX, Sent receipt of cancelled XXXX comp that states this twice through emails to XXXX XXXX, XXXX. Been getting theses calls for the past 6weeks and the most recent was today, XX/XX/2023. This is no billing error, I am on auto pay with my other business policies through XXXX. It is a clear attempt of fraud. Reviews for Brown and Joseph have many people with the same experience, with many being duped into paying a fraudulent collection agency. Why are these people still in business? This is a criminal matter that is taking place on U.S. soil. Hoping justice is served.
Consumer complaint received 2024-03-21
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2024-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I believe XXXX XXXX mandates the removal of any inaccurate accounts from my credit report. Could you please review the documents? Several of the listed accounts are incorrect, and it's causing me discomfort.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (GA)

After reviewing my XXXX, XXXX and XXXX credit reports. I have found inaccuracies. I was never late on my Regions credit card account. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy. 15 USC1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have taken the steps of resolving this issue by filing a complaint with the listed creditors and Federal Trade Commission.

Regions Credit Card : Reporting 2 late payments XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (SD)

Dear PayPal Team, I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe this limitation may have occurred due to a misunderstanding or mistake, as I have always strived to abide by PayPal 's policies and guidelines. 

I wish to clarify that, to the best of my knowledge, I have not engaged in any activities that would warrant such a severe measure. I value the trust and reputation of my PayPal account and have used it responsibly for my online transactions. 

In light of these considerations, I kindly request PayPal to re-evaluate my case and conduct a thorough investigation into the matter. If any discrepancies or misunderstandings have led to this limitation, I am more than willing to provide any necessary documentation or information to assist in the resolution process. 

Having relied on PayPal for secure and convenient online financial transactions, this limitation has caused significant inconvenience and distress. Therefore, I respectfully ask for your prompt attention to this matter and a reconsideration of my account 's status. 

I appreciate your time and understanding in this regard. Restoring my PayPal account would not only alleviate my current difficulties but also allow me to continue benefiting from the services your platform provides. 

Thank you for your prompt attention to this appeal. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-20
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. (CA)

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 2023-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

Business Names : Allstate XXXX  Address : XXXX, IL XXXX Phone : ( XXXX ) XXXX and : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX I had no knowledge of the alleged debt I owed until it hit my credit report. I disputed the charger and was working with Allstate only after hearing back from them about filing a XXXX  complaint. As soon as the XXXX  complaint closed I no longer received correspondence or a resolution to this debt. Prior to attempting to resolve the issue above, I was never notified until the arbitrary {$600.00} was on my credit report, dropping me XXXX points. 

Upon investigation, after the damage was done, I was no longer with Allstate Insurance when switching homeowners and was overcharged by Allstate for insurance when the account should have been canceled and closed when going to XXXX XXXX 
.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have submitted the necessary supporting documents and I implore you to conduct a thorough investigation into this matter without delay. It is imperative that you take immediate action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing significant distress.
Consumer complaint received 2024-03-19
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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.