davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
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: EQUIFAX, INC. (CT)

I did report to this following companies XXXX and Equifax my concerns as a individual protected by the consumers laws about having my name XXXX, addresses and some fraudulent hard inquiries posted on my credit repor.
Consumer complaint received 2022-12-22
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. (NC)

In accordance with the fair credit reporting at the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC. 1681. 
XXXX XXXX # XXXX, XXXX XXXX # XXXX and XXXX XXXX # XXXX and 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 : It also states a consumer reporting agency can not furnished my account without my written instructions.

15 U. 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 credit reporting act.

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 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions 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 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 2024-03-06
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: Experian Information Solutions Inc. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

A credit card for the amount of {$2300.00} was open on a paypal account that I did not open. Through SYNC bank. I have frozen all of my credits and closed the paypal account. I want this credit card to be closed and deleted.
Consumer complaint received 2023-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC. (SC)

I had almost maxed out my card! Not used it lately and worked to pay down to 30 %. Made all payments on time and more than the amount and extra payments than today they dropped my credit limit without justification 65 %!!
Consumer complaint received 2022-11-29
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 have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX, Opened XXXX XXXX has violated my rights by reporting an inaccurate late payment. This was also during the COVID19 pandemic. And should be removed not only because of the violation of FCRA privacy and consumer laws, but also because of the CARES ACT provisions for consumers. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable 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.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (IN)

PayPal inc has frozen My account without giving me a reason. They are violating my rights and making hard for me to receive my remaining cash. They said I could send my self a check or cash out my remaining funds. In the PayPal app is not letting do any XXXX of these things and I would like to have my money back as soon as possible they are holding {$1200.00} of my money
Consumer complaint received 2023-04-18
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. (ND)

I wrote a letter to the company that say I owe two collections. One for {$600.00} the other for {$660.00}. I ask for verification and they will not respond to me how they verified this is my account. 

According to 15 usu 1681a2 I did not give them writing permission to have these accounts furnished on my report. These two accounts are inaccurate
Consumer complaint received 2022-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Credit Management continues to attempt to collect a debt in the amount of {$900.00} and negatively report this questionable account on my consumer report even after they have failed to properly prove that I am in the person responsible for this debt. I asked for the signed contract with my signature to prove this account belongs to me and you have not done that. I did not ask for a statement on my consumer report stating that I am disputing this account. This account needs to be removed completely asap. I have sent them communication and have yet to get a response.
Consumer complaint received 2022-12-22
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (TX)

XXXX XXXX XXXX university is trying to charge me for a Pell grant overpayment of {$210.00} from XXXX which has affected my credit report in a negative manner. It has reported 37 late payments in XXXX. Never getting this information to me before that I needed to pay. I shouldnt have to be held responsible for a grant overpaying that the school sent to me on their error.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2022-12-22
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX  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 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-22
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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 a account without my written instructions.
Consumer complaint received 2022-12-22
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 a account without my written instructions.
Consumer complaint received 2022-12-22
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. (GA)

In accordance with the fair credit reporting act XXXX account # 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 a account without my written instructions
Consumer complaint received 2023-05-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Location Specialists (SC)

A person left a voicemail after I did not answer phone. I was threatened with a case number. I have no idea who this person or company is. After a few minutes the same person left a voicemail with the same message to my daughter and son in law. I do not even have my son in laws number. The number that called us is XXXX.
Consumer complaint received 2017-03-07
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (CA)

This complaint is in regards to unauthorized fee for an appraisal that was ordered by my former home loan officer XXXX XXXX XXXX ( # XXXX ) at Prime Lending XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Tel : XXXX. On XX/XX/2017, XXXX XXXX XXXX was notified that home loan services from Prime Lending were no longer needed due to his aggressive and unprofessional speech via telephone on XX/XX/XXXX. 
Surprisingly, on XX/XX/XXXX, I received a intimidating voicemail from stating " the appraisal went to the property on yesterday, the appraisal is done..you have until Monday to pay the appraisal fee ( {$550.00} ) ..I would hate to have this affect your credit and cause you problems with moving forward with a new loan ''. Since getting the appraisal supervisor and accounts receivable involved, I was sent a link by XXXX XXXX for a {$150.00} trip fee. My position is I did not authorize this appraisal, therefore I should not be charged any associated fees. Please look into this matter to assist me in resolving this issue. 
Regards, XXXX XXXX Former Loan # XXXX
Consumer complaint received 2024-03-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

When I submitted my Notice to Vacate via email, I was not informed of any impending lease termination fee, despite having resided at the property for three years. According to the Lease Agreement, termination requires completing the initial 12-month lease term and giving the Landlord thirty ( 30 ) days ' written notice before moving out. The lease provided to the collections agency was signed on XX/XX/XXXX, and my move-out date was XX/XX/XXXX. I included my forwarding address, phone number, and email in my notice to vacate. However, I never received a bill before the account was sent to collections, denying me the opportunity to dispute the charges directly with the management company.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX has violated my rights. Or a 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 2022-12-22
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)

The following Account is reporting inaccurate information. This is not mine, I have no idea why this is in my credit profile. I have previously requested that you investigate this information and you have failed to do so. Now its not time to update, I demanded that you IMMEDIATE DELETE this account from my credit report. 

I attached proof that my car insurance provider has not been XXXX ; therefore, this is not mine DELETE THIS FROM MY CREDIT REPORT ACCOUNT : XXXX XXXX XXXX  ACCT # XXXX In accordance with the Fair Credit Reporting Act, They have 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
Consumer complaint received 2017-03-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My mortgage is being traded on the market under the XXXX XXXX with a closing date of XX/XX/XXXX baring a CUSIP number XXXX, and the securitization trustee who is the trustee for the security instrument has not been providing me with the financial information or the interest information for me to collect on my investment and my entire attempts to get this information from the securitization trustee has gone ignored and unanswered. Bank of America , N.A . ( a subsidiary of Bank of America Corporation ) and others are defrauding me and conspiring against me, the home has mortgage default insurance on it and as part of the mortgage security agreement that allows for it to be traded on the market, the mortgage default insurance is there to protect everyone and as I demanded in the notice dated XX/XX/XXXX sent under certified mail number XXXX addressed to XXXX ( XXXX XXXX ) for Bank of America , N.A . and received by Bank of America , N.A . on XX/XX/XXXX they are refusing to apply for the mortgage default insurance as required by the security agreement, they are now violating the trust agreement and this is security fraud.
Consumer complaint received 2023-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XXXX the XXXX I went to my local XXXX and did a cash load to my PayPal balance in the amount of {$400.00} I was only credited XXXX to my PayPal balance I disputed this with my local XXXX XXXX never gave me a resolution so I started a dispute with PayPal PayPal has given me the runaround for 25 days now I have provided PayPal with my receipt showing proof of my {$400.00} cash load and showing proof of that only XXXX was credited my account PayPal 's customer service is misleading information deceptive information that I've received on multiple occasions there is no justification for the neglectful treatment that I've received from PayPal I provided PayPal with the receipt with conversations that I had with XXXX and I continuously get nowhere with them .. PayPal has also charged me for this claim {$15.00} why am I going to be charged {$15.00} when I'm disputing my missing money does that make sense
Consumer complaint received 2022-12-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XXXX XXXX I summitted disputes to all Credit bureaus, plus a complaint to XXXX about XXXXXXXX XXXX falsely reporting late and derogtory remarks on my credit reports. I was on a loan modification from losing my job from XXXX XXXX. 
XXXX contacted me back and fixed my report. Transunion and XXXX still have not. I hired XXXX XXXX XXXX for help on XX/XX/XXXX. As of XXXX XXXX XXXX still have not got a response from them. XXXX XXXX took over my loan on XXXX XXXX XXXX reports state XX/XX/XXXX, still not corrected. 
I have worked hard as a single parent to keep my bills paid on time. Please help me fix this issue.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (IL)

On XXXX XXXX an authorized charge was made from my chime account in the amount of {$40.00}. I was contacted by chime they adivised me to file a dispute, and they immediately sent me a new card. However I never delt with a dispute before I was scared and nervous I felt like maybe my money is not okay. They told me it would take a moment for the dispute because the transaction was not settled. Okay understandable the transaction settled chime never contacted me back. I HAD TO REACH OUT TO CHIME TO FURTHER THE DISPUTE. XXXX days later THEY DECLINED MY REQUEST AND TOLD ME THE HACKER WAS MIMICKING MY ACCOUNT ACTING AS IF THERE ME!!! Okay IF YOUR TELLING ME ITS A SCAMMER WHY HAVENT THEY CREDITED ME MY MONEY? This is UNACCEPTABLE I NEED MY MONEY. Not only THAT XXXX OF THE REPS XXXX  AND TOLD ME I NEED TO SECURE MY ACCOUNT MORE???? This XXXX XXXX
Consumer complaint received 2018-04-12
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. (TX)

I noticed the account on my credit report. I disputed and XXXX XXXX responded with US Patriotic Act ( which details for the company to keep records ). 

XXXX XXXX has not validated or verified the account is mines.
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (NY)

On XX/XX/2023 I disputed incorrect information on my credit report. Through my CFPB portal it has been 30 days and the reinvestigation is still pending with no results, no verification/validation or physical proof of these alleged debts as requested by me under the provisions of 15 USC 1692 ( g ). Further I have a right to privacy under the provisions of 1681b