davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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. (TN)

Im currently in the process of trying to buy a home and when looked at my credit report I noticed late payments are reporting which is stopping me from buying my dream home. I mailed this company a letter asking for them to remove the late payment and I received a letter back stating we are unable to make any adjustments to your payment history as requested In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

This is my third time filling this complaint regarding this account that has been appearing as a negative account due to a Late Payment even though I was never late. This is the account appearing XXXX XXXXXXXX XXXX Take action and update the payment history.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I found out last week that my Chase acount was compromise with XXXX unauthorized transaction in XX/XX/year> which amount of {$4000.00} dollars by the company called XXXX XXXX XXXX XXXX as soon as i found out I called Chase band to let them know and dispute thoes transaction then two days later i called again to find out status of it and i was told that i passed the time frame so they can not do anything about that this is my hard workng money and somebody out there can '' t just tahe my money a way like that wheres my security! 

I need help to get my money back!
Consumer complaint received 2023-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

Dear XXXX XXXX : PayPal has held funds provided to me by my customer via credit card since XX/XX/XXXX. There were XXXX invoices paid by my customer totalling {$30000.00}. PayPal shows that the funds are available to me, but when I try to transfer them to my bank account, it says " Something has gone wrong ''. They have sent me numerous messages which they said needed to be resolved to release payment. So far, I have provided my photo ID, a Bank statement, information about my business, my vendor/supplier information oand contracts, my business license, proof of order fulfillment and tracking, information about my transactions, invoices from my vendors, expalanations of activity change. And after all of this they are now asking to speak with my customer, who is a XXXX XXXX company. I sent them a note on XX/XX/XXXX saying that this was unprofessional and I did not want them doing this to my customer. On XX/XX/XXXX, they said funds might be held for up to XXXX weeks and would be released on XX/XX/XXXX. On XX/XX/XXXX, they said, funds would be released on XX/XX/XXXX. Then they said their back office would release in XXXX to 5 days, but they are still refusing to release the funds. 

Please advise how to proceed, as I Iam a small business owner. I have paid all of my vendors for these purchases, but am not getting the funds that are owed to me. 

Sincerely, XXXX XXXX - XXXX # XXXX - XXXX
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent TRANSUNION DISPUTE DEPARTMENT a letter and a FTC Identity Theft Report on XX/XX/22 about a fraudulent XXXX XXXX  account ending in XXXX via certified mail. The account was deleted from my report. On XX/XX/22 I received a letter from TRANSUNION stating they reinserted the fraudulent account. I filed and sent another FTC Identity Theft Report and a letter on XX/XX/22 via certified mail. After I saw that the letter was received I gave TRANSUNION the 4 businesses days they had pursuant to the FCRA (! 5 USC 1681c-2 ) to delete and remove the account from my report again, I tried to check my credit report via XXXX. I was unable to access my report so I called TRANSUNION directly. The employee from TRANSUNION DISPUTE DEPARTMENT confirmed to be the aforementioned XXXX XXXX account is no longer reporting on my file and to wait for the updates. My report never updated. I called back 2ish weeks later to confirm that the account was deleted. The employee from TRANSUNION DISPUTE DEPARTMENT confirmed to be again it was not reporting on my credit file. I requested an updated credit file in the mail because I still could not access my report online. I never received it. I waited another 2ish weeks and called again to see what was going on, as my credit report was STILL not updating with the changes and I was unable to access my report AGAIN. This TRANSUNION DISPUTE DEPARTMENT employee confirmed that the account was not reporting and told me the updates for my credit report are pending. She told me she would have someone call me to expedite the changes and no one ever called. My credit report has NOT been updated in OVER 30 days. Furthermore, my credit score remains in the low XXXX and the delinquent aforementioned XXXX XXXX  account ending in XXXX is still reporting on my credit report. This is ruining my reputation as I have found a home and I'm not able to apply for it because of this fraudulent and delinquent account reporting on my credit report.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MECHANICS BANK (TX)

On or around XX/XX/2024 i sent a dispute letters concerning items that were negatively reporting on my credit report! These accounts do not belong to me and i asked for them to be removed immediately! A consumer reporting company may not provide a consumer report under FCRA section 15 USC1681 ( b ) under permissible purposes!
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is defaming my character by inaccurately reporting invalidated, unverifiable and questionable information on my consumer report without my permission.They were able to verify my identity but did not respond within 30 days to my request for investigation.
Consumer complaint received 2023-05-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (MD)

This is in reference to my last complaint # XXXX, I was working with XXXX XXXX to rectify the foreclosure that was filed against me. I had until XX/XX/2023 to submit the necessary documents, which were submitted on XX/XX/2023 to prevent foreclosure to receive loss mitigation. I corresponded with XXXX on XX/XX/2023 and I have not received a response to my inquiry and corresponded again on XX/XX/2023 to confirm receipt of the documents, as the loss mitigation fax machine was busy or not plugged in and I have not received a response. Since, the loss mitigation fax machine is out of service and I'm not sure if my documents were sent to the loss mitigation department, which is why I am sending a second complaint. On XX/XX/2023, I was served with a summons for foreclosure from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, while trying to reconcile with PNC. I need to know, if PNC is continuing to foreclosure on the property, while I am trying to simultaneously resolve the issue. That way I can prepare my family. I corresponded with XXXX on XX/XX/2023 and I have not received a response to my inquiry and corresponded again on XX/XX/2023 to confirm receipt of the documents, as the loss mitigation fax machine was busy or not plugged in to receive faxes and I have not received a response. Since the loss mitigation fax machine is out of service and I'm not sure if my documents were received is the reason why I am sending a second complaint since I have not received a response. In addition, I need to know if I am not qualified for the loan modification, and if that information is withheld from me, while PNC is moving forward with the foreclosure proceedings since I was served, is considered a violation of foreclosure fraud according to Maryland law. I need to know several things and I prefer for all correspondence to be in writing via email moving forward. First, if the documents were received. Second, if I still qualify for a loan modification, and last my request to withdraw the petition/summons for foreclosure.
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. (FL)

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 2023-07-05
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2022-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (SC)

I am XXXX XXXX and I am submitting this claim myself and no third party is involved. I, XXXX XXXX as a natural person, and consumer was injured, harassed and abused by LVNV FUNDING LLC on several attempts to collect on a debt, using profane language and unfair collection practices. ( See Exhibits ) I received numerous violations through via mail. I requested validation of the debt on XX/XX/2021, they sent account summaries which isnt debt validation. 
( See Exhibit A-O ) With further harassment, after the agreement of confirmation of receipt of the validation of the debt ; the debt collector, LVNV FUNDING LLC knowingly and willfully continued to reach out to ask for payment of this debt. ( See Exhibit A-O ). LVNV FUNDING LLC has violated multiple laws in accordance to 15 USC 1692. ( See AOT ). My AOT WAS NOTARIZED AND SIGNED AT XXXX  and mailed off from there. Receipt is provided below. They also use different names such as Resurgent Capital Services which are debt collectors collecting on behalf of another debt collector.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

15 U.S.C. 1681 - U.S. Code Title 15. Commerce and Trade 1681 Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence. 

I would like the XXXX XXXX account removed from my credit from XXXX XXXX report because it is false and in violation of the law.
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1800.00} ; XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$2800.00} ; XXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX Balance Owed : {$790.00} ; XXXX XXXXXXXX Balance Owed : {$2000.00}.
Consumer complaint received 2023-02-04
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. (NY)

In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 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 reason.
Consumer complaint received 2022-10-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Viking Client Services (TN)

Someone stole my identity and rented a car from XXXX rental company.. I had/ have no knowledge of this and received a collections bill for XXXX XXXX that I have nothing to do with I already sent over police report of a similar situation that happened to me in XXXX XXXX XXXX I filled identity thief and they found out who it actually was
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (GA)

My credit report may have been hacked, according to reports. I was looking over my records once more when I found a lot of things that weren't mine. The FCRA 's section 605b requires you to remove and block any things that are discovered to have been opened as a result of identity theft, according to my diligent study. I do not own the objects in the dispute. As a result of additional study that both parties requested, I am providing the necessary FTC Report for you. Those files should be blocked or deleted. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX, XXXX, L ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-05-10
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-16
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: SYNCHRONY FINANCIAL (TX)

on XXXX XXXX I opened an account with XXXX XXXX XXXX for {$22000.00} for purchase of windows from XXXX XXXX. The first payment of XXXX was due on XX/XX/2024. On XX/XX/XXXX I went out of town until XX/XX/2024. During that time I had both my cellphone and laptop computer with me and I checked e-mail and messages daily. On XX/XX/XXXX I received a text from XXXX that my XXXX XXXX had dropped from XXXX to XXXX because of an overlimit charge. On XXXX XXXX I Contacted XXXX and was told that it was because of fees that had been added to my current charge. I was not made aware of any fees other than the initial loan and never when I set up my e-account. I talked with the rep who explained what had happened and she told me that I could wait until the XXXX or that I could pay it then which, I did. She also assured me that this red mark on my credit would be resolved. It wasn't. Moreover, I opened the account on XX/XX/XXXX and an overlimit was reported to XXXX on XX/XX/XXXX, XXXX days after opening the account. Even worse, on XX/XX/XXXX they took another XXXX points off my XXXX XXXX. For what I don't Know. In addition, after speaking with the rep and authorizing an online payment.
Consumer complaint received 2023-01-10
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. (WI)

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 2018 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 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. Account isn't 49 days past due.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

On my report are old address that are not mines and I ask several times to remove those that are not associated with me and the refuse to do so. Then show the amounts saying owed and it's not suppose to so amount for anyone to see and know inaccurate information. XXXX, XXXX, as well as experion they are not even real credit bureaus with a .com at the end of their names in my opinion. They should be stop from doing this and putting wrong SS # on my account and linking them to me when ask to remove they say oh its your SS #.
Consumer complaint received 2024-04-16
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: Resurgent Capital Services L.P. (FL)

LVNV FUNDING LLC is hurting me my credit report negatively when under the FDCPA they must send me a validacin of the debt : Original creditors full mame and address Date your company purcharse said debt Amount you paid for said, debt date of last activity/payment if any This is an official request validation, debt should you be unable yo provide such proof and contine to report negatively against my credit. I will take legal action.