davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been disputing this information for the past two years and it keeps getting worse. My child was in the band when she was in middle school. I rented an instrument from XXXX back then and turned it in on time. I no longer have anything with them. I noticed on my report last year that they were saying the account was 30 days late and I disputed it, but nothing was done. I disputed it again and then they started reported it as paid as agreed and that I was paying every month. I do n't have anything from them, nor am I paying on any account. So they have it as a creditor and they also have it in my collection section showing that as a negative remark. They keep reporting this and it is impacting my credit score dramatically. They keep reporting it every single month on moth sides. I have sent a letter to XXXX and to the Credit Bureau and they continue to report it. My credit score dropped down when they added it to my current creditors as if I had credit with them.
Consumer complaint received 2017-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (IL)

XXXX XXXX XXXX added an Collection account to my credit report. I never recieved any written noticed of this acct, I do not think its fair that a collection agency can report and they can not provide me with documents or application thats states my information and signature that the debt belongs to me. XXXX XXXX XXXX unfairly reporting on my credit report without verifying proof that the debt is rightfully mines.
Consumer complaint received 2023-07-10
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-07
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MOHELA (MD)

YOUR COMPLAINT I closed the account because the credit card company can not validate the debt. I am the original creditor as a result, I have been contacting the merchant to provide the following documentation. certificate accounting statement they have so far went delinquent In this matter. I have sent past due invoices for them to pay my company for the following charges U.C.C. 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, A PROPER BILL. {$1500.00} per page. It is my understanding that if no dispute, rebuttal or contest of this NOTICE OF UNDERSTANDING AND CONDITIONAL ACCEPTANCE AND REQUEST FOR A PROPER BILL AND LAWFUL CONTRACT AND FULL RECORD OF ACCOUNTING AND FEE SCHEDULE, Notice of Lien Notice Of Lien, Truth and lending violation, Mail Fraud and XXXX, falsifying records, deceptive and misleading representation, violation of Fair Debt Collection Practices Act. Title 15 USC .1601 ; Title 15 USC 1692 15 USC 1692 ( g ) ( 8 ) ; USC Title 18 2071 and 2073 ; USC Title 18 471, 472, 473, and/or 513 ; Title 18 USC 1341- 1842 Eads v. Marks 249 P. 2d 257 and 260 Title 28 USC 1746 ( 1 ) I am asking for the CFPB to contact them to have my account settled, discharged and close with a zero balance and my invoice paid. Thank you any question call me XXXX
Consumer complaint received 2023-07-10
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. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCF Intermediate Holdings LLC (CA)

XXXX XXXX Co bought an old payday loan that had already been on my credit report & paid off over a year ago & theyre REPORTING IT AS NEW & ruining my credit when Im looking for an apartment.
Consumer complaint received 2017-05-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Recovery Services, LLC (LA)

This debt was removed from my  XXXX  and  XXXX  Credit Report but still reporting to my  XXXX  report. They stated the debt was n't paid however it was paid and I received a letter stating once paid they will delete off all  XXXX  major bureaus.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

It has come to my attention that both XXXX XXXX and XXXX have been sharing my personal information with the credit reporting agencies without the express written consent. This information includes but is not limited to : transaction history ( late payments ), balance, and experiences. My credit cards are a matter of consumer law. 

Pursuant to 15 USC 1681a ( 2 ) ( i ) Exclusions report containing information solely as to transactions or experiences between the consumer and the person making the report.

Therefore, late payments and account balance SHOULD NOT appear on my consumer report.

Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The privacy statements provided by both XXXX and XXXX states that my personal information can only be shared with the credit bureau and affiliates. Pursuant to 15 USC 1681a ( w ) The term Bureau means the Bureau of Consumer Financial Protection. In addition, pursuant to the U.S. Consumer Privacy Notice provided by XXXX the term " Affiliates '' means Companies related by common ownership or control. Therefore, the privately held credit reporting agencies would be excluded from being able to use the above mentioned information on my consumer credit report without my express written consent. 
I have contacted both XXXX and XXXX to opt out of all data sharing with any and all third party nonaffiliates, including but not limited to XXXX, Experian, XXXX, XXXX XXXX, XXXX, XXXX, anXXXX XXXX
Consumer complaint received 2016-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAB Receivables, Inc. (SC)

CAB Collection continues to verify and report to the credit bureaus a debt that is a result of identity theft. The address where the utilities was set up is an address to which I never lived and I never authorized the transaction. I have a police report on file and have sent to all XXXX bureaus. The reporting of this account is not only inaccurate but it is causing me and my credit rating serious damage. I needed to let this go on record since CAB is n't willing to do the right thing.
Consumer complaint received 2023-01-04
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. (IL)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was notified by the credit bureaus that several medical bills were added to my credit file. I did not give written consent for this. My XXXX rights have been violated as I know that I was being seen for mental health issues due to XXXX pandemic, I had insurance and now I am being violated and my personal health information isn't secure. I have already tried to advise the burueas of being a previous victim of identify theft and this needed to be resolved as I have been made aware this is legally my right. The following laws have been violated Privacy Act of 1974, as amended, 5 U.S.C. 552a, 1681. Congressional findings and statement of purpose, The Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692. 
The XXXX facility that violated my rights are and the agencies they sold my XXXX to are : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX ) XXXX. ) There are XXXX ( XXXX ) different accounts all with the same name and collection agency but all different dates and amounts on all three ( XXXX ) credit bureaus. This is higly alarming and completely inaccurate in additional to a huge violation of my XXXX rights. XXXX XXXX XXXX and the agency they sold it to is Professional Placement Svcs ( Professional placement svcs XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX ) XXXX. ) XXXX XXXX and the agency they sold it to is XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ).
Consumer complaint received 2020-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MT)

This is about my XXXX XXXX credit card account ending in XXXX I spoke with a representative in XX/XX/XXXX about my account because the schedule payment had failed, causing this account to fall behind. I updated the bank account, and have make {$300.00} payments every two weeks for 2 payments now, in order to catch the account up. 

I would like the account status changed to Current ; as well as the late payments removed as a courtesy as discussed on my call with an account specialist in XX/XX/XXXX. The phone number the call took place on was from my cell ( XXXX ) XXXX which could be seen in records if research is done. 

The late fees themselves were also supposed to be removed and I've yet to see that reflected on my account summary. 

Thanks for getting this sorted out.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (FL)

Good morning/evening, On the following dates of XX/XX/2017 XXXX  filed a hard inquiry on my credit report where I never authorized such inquiry. This is greatly impacted my ability to eventually purchase a home. I request to have them removed immediately.
Consumer complaint received 2023-01-03
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. (NC)

Equifax is reporting XXXXXXXX XXXX XXXX XXXXXXXX on my report and this account is not mine. They are violating FCRA guidelines which ive sent to them to adhere to. 

FCRA 15 USC 1681 602 AND 604 I DID NOT GIVE PERMISSION TO OPEN AND FURNISH THIS ACCOUNT ON MY REPORT AND THEY ARE ALSO VIOLATING MY RIGHTS TO PRIVACY AS WELL
Consumer complaint received 2021-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (AR)

Wells Fargo Bank has been causing my checking account being low each and every month with direct deposits in my checking account. Who has been paying XXXX Funds I didn't authorize for XXXX  Services to receive from my Wells Fargo Debit Card XXXX XXXX had refuse to refund me back some of my funds that were paid to them. Which has happened twice. I feel I am being target and taking advantage of by Wells Fargo Bank and XXXX because my race and age. XXXX has been give me more problems with their internet services. It has been given me problem connecting with my devices. My XXXX, XXXX, XXXX XXXX, and My Laptop Computer. There has been other XXXX in my area. Who has been successful in connecting with my XXXX XXXX more than me who is pay for the services. There are XXXX in my area are getting free internet and I am senior who paying for it. It not being fair. They inform me I'm not eligible for free internet.
Consumer complaint received 2023-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

I'm going to talk about the fraud, but what I'm really after is PayPal 's complicity in the fraud. 

I encountered a fraudulent website, " howly '' yesterday, XX/XX/2023. They claimed to offer a {$1.00} trial, with a $ 49 monthly fee after that. I looked them up on XXXX, but I misread the rating, so I thought they were ok. 

In a conversation with their Chat AI, they claimed to offer a lawyer referral service. 

The minute I was connected to a human, I discovered, no. 

So I canceled the service on their website, and immediately went to PayPal to check. What I found was that they had already made 4! transactions. {$49.00}, XXXX, XXXX, XXXX. All within a second at XXXX. 

I immediately terminated the " billing agreement '' on Paypal 's website, and started disputing the charges. I did that at XXXX XXXX I also started disputing the charges, the first one was completed by XXXX XXXX 

By XXXX XXXX  PayPal had decided the first dispute in my favor. A gap of XXXX minutes way outside of business hours implies to me that PayPal has automated the dispute resolution for this vendor, which means they know that XXXX is fraudulent. 

But they continue to take payments for this source. So even though I am out only {$1.00} at this point, I am holding PayPal responsible. They are enabling and profiting from this fraud.
Consumer complaint received 2023-07-10
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)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2024-02-28
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)

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. 

Account Name : XXXX XXXX Account Number : XXXX {$630.00} Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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 2017-05-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (VA)

About 1 month ago,  Paypal  started to withhold 20 % of payments made to me and put them in an escrow account for 90 days. They said it was to protect them against refunds/returns. That 's a bunch of   XXXX   since I have never had a return with them in the over 12 years I 've had an account with them
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2010
Consumer complaint received 2023-01-04
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. (FL)

XXXX, TRANSUNION AND XXXX HAS COLLECTION ON MY CREDIT REPORT THAT ARE NOT MINE AND THEY REFUSE TO DELETE. 

ACCOUNTS THAT ARE NOT MINE. 
* The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

* The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

* The following account is not mine XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.
Consumer complaint received 2023-02-14
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 (MD)

My business PayPal account was unfairly closed down for virtually no reason as of early this morning. My business operates smoothly and ethically on PayPal and has for as long as we have used them. 

PayPal asked me to provide more information regarding certain transactions to which I properly provided them. However, this was not enough. 

I run an academic platform where users post projects and hire freelancers to complete the projects. Our site makes a commission off of each project. Theres absolutely no reason we should be banned.
Consumer complaint received 2023-07-10
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)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.