davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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. (IL)

I am writing to dispute inaccuracies on my credit report that have had an adverse impact on my ability to obtain credit. The account in dispute is : XXXX XXXX In XXXX, I purchased property at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL. XXXXXXXX. While the above listed account was not the original mortgage lender, they subsequently took them over. For XXXX XXXX, I had made consistent and on-time monthly payments. However, in XXXX of XXXX, I was notified by the 1st lien holder, XXXX, that due to the Adjustable Rate Mortgage contract, my payment would be increasing to an amount that would be difficult for me to maintain. I attempted to refinance but due to the housing crisis, I lacked the equity. I then applied for a Loan Modification, which was also denied. In good faith, I put the property up for sale for what I owed on both mortgages and continued making on-time monthly payments through XX/XX/XXXX. 
In XX/XX/XXXX, I received a short-sale offer for {$100000.00}. I submitted a loss mitigation application to XXXX on XX/XX/XXXX. I received a response letter from XXXX on XX/XX/XXXX requesting more documentation. The full package was received by XXXX on XX/XX/XXXX and a settlement agreement was reached on XX/XX/XXXX. The closing for the short-sale occurred on XX/XX/XXXX. 
The inaccuracies are as follows : XXXX is reporting that the account was 2 months late AND in foreclosure/collections. I was paid through XX/XX/XXXX and we closed on XX/XX/XXXX. I attached my bank statements as proof. The XX/XX/XXXX payment was not made because a settlement agreement had been reached and we were waiting on the closing. We should have closed in XXXX but the XXXX lien holder caused the delay by demanding {$6000.00} in lieu of the {$3000.00} that was initially agreed upon. This account should only reflect SETTLED-LESS THAN FULL BALANCE ; CLOSED. No late payments and ABSOLUTELY NO FORECLOSURE. Please note, I have been denied credit by Rocket Mortgage due to this inaccurate reporting. I demand you produce a docket number for Foreclosure Proceedings in the State of Illinois or REMOVE THIS INACCURACY IMMEDIATELY.
Consumer complaint received 2023-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to dispute the following unauthorized hard credit inquiries on my credit report : XXXX XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I did not apply for any credit with these companies, nor did I authorize these hard inquiries. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-10-05
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: CL Holdings LLC (PA)

XXXX Account # last 4 : XXXX XXXX XXXX XXXX account # :XXXX Amount XXXX I contacted XXXX and XXXX 12times.  I sent in police reports, I reported this fraud. I even requested the debt verification and they only sent me three bills that are address to a address that isnt mines. They didnt send the sign contract, they never sent in the copy of identification. Nothing and they are reporting it in my report while the original company is doing so as well. When I call XX/XX/XXXX at XXXX XXXX   the rep did not wan na help me when I asked why werent the requested debt documents sent to me see just estates if you have a lawyer we can speak with them. They are illegally reporting someone else debt in my report and will not help me
Consumer complaint received 2022-10-27
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. (TX)

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 2023-07-15
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. (CA)

I have reported an account to cfbp XXXX XXXX the company was charging me fraudulent anual fees, credit card fees, and late payments on a closed account .I filed a complaint and XXXX XXXX send me a letter stating they were to remove all late payments and charges to this account, Experian failed to comply to the letter and still continues to report after numerous disputes. They need to comply to the letter and remove all late payments to this account or I will sue them for continuing to damage my credit profile
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. ()

On XXXX XX/XX/2022 someone from XXXX XXXX XXXX used my details in order to apply for cellphone contract on my behalf On XXXX XX/XX/2022 I ask the guy from dealer shop to check for in my credit report if I qualify for car finance, the guy used my details and apply while I was not aware of it, when I check my credit report I have an enquiry Both XXXX XX/XX/2022 XXXX XXXX and XXXX
Consumer complaint received 2023-08-16
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: Affirm Holdings, Inc (TX)

I have one account with Affirm that had five purchases for XXXX to be paid on different days with Affirm. I was recently unemployed-Laid off from my job, I spoke to a representative at Affirm and advised him that I obtained a job and I was going to pay on the loans when I received my first paycheck on XX/XX/2023 and could not make my payments for XXXX, XXXX and XXXX until then. I eventually paid three of the purchases and brought the account to current on XX/XX/2023 and paid the other two purchases to current on XX/XX/2023. However, Affirm reported to credit reporting bureaus on XX/XX/2023 that I owed on all five of these purchases and listed this as five different loans on my credit and bought my credit score down XXXX points. I received no good credit when I was paying Affirm on time, however, when I got behind 90 days, they reported the account five times as five different negative entries instead of just reporting to my credit for one total accumulative balance of all XXXX purchases. They just destroyed 20 years of building good credit over five small increments of XXXX purchases for one bad account. I can't believe the credit bureaus allowed this and I feel this has violated the fair credit reporting act. And the amounts they reported do not even match what was owed. Three of the purchases was paid before they even reported it five times. If anything, there should only have been one reporting for two loans. The three credit bureaus are a for-profit company and is allowing companies like Affirm to destroy people lives and credit score by allowing them to list one Affirm account five times. This has to be illegal, and I will be seeking legal action because I believe Affirm violated my fair credit rights. I want these entries removed off my credit and my score back to current status. This one company took my credit down from good to poor after 15 years of building when they know how difficult it is for XXXX Americans to gain a good credit score with all the systematic laws against us to keep our credit poor to pay high interest rates. This would not have happened to someone else of another race. This was done intentionally to destroy my credit worthiness at such an financially hardship point in my life. The account wasn't even past due 120 days which is the time listed that they will report to credit bureaus through a third part collection agency. Affirm violated FCRA and I seeking resolution asap.
Consumer complaint received 2024-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 A states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy ''. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers ' non-public personal information. '' ( Conserve ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates ''. ( Conserve ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Conserve ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Conserve ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item that they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services ''.
Consumer complaint received 2023-01-11
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2022-10-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-01-27
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)

When I investigated my credit report, I realized that some of the items was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-03-01
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts to clarify the erroneous reporting within my credit report. 

please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$290.00}
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (NJ)

I purchased a XXXX from XXXX and the item arrived damaged. I tried to contact XXXX but their customer service was horrible especially as it was during the holiday season. I filed a dispute with PayPal as I made the purchase using PayPal and provided all the evidence. I even tried to get my local tech repair shop to take a look at it and they said there was nothing they can do about it and gave me a report stating that to provide to PayPal to refund me as they advised that would be my best bet. PayPal then asked me to get an official document from XXXX stating that it was unfixable and when I went to try and do that, I was told by the XXXX technician that they do not provide such documents unless I purchased the item from XXXX then I could take up the issue with them and XXXX would directly refund me but I did not purchase the item from XXXX, I purchased it from XXXX. I provided all the documents and proof of the item being defective and of it being unable to be fixed and all the evidence they would need to refund me. PayPal closed my case and would not reopen and told me to take it up with my bank. The only issue is that by the time PayPal closed my case, it had been over XXXX months since the purchase and XXXX XXXX does not allow disputes to be open past XXXX months of the purchase date.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXXXXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus to update the suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the listed account. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$6700.00}
Consumer complaint received 2023-03-01
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. (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  & XXXX XXXX XXXX XXXX has violated my rights. 
Ive disputes these accounts hightlighing the inaccurate and incomplete information reporting, and these companpines is contining to violate my rights. 
please help me solve these issues. 

thanks
Consumer complaint received 2020-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (IN)

I have been having difficulty attempting to link my account with Pnc to my XXXX XXXX mobile app account. Currently have been unable to link accounts in order to transfer funds. I have discussed issue with pnc rep and still awaiting effective support form XXXX.