davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2022-12-08
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. (CA)

I have contacted Transunion multiple times over the last months. I have used fax, phone and mail to dispute inaccurate items being reported on my credit report. I have also sent paperwork they required with no results in reference to the non permissible inquiries on my credit report. 

XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2023-10-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management (TN)

This company placed a debt on my credit report without sending any form notifying me. I did not receive any call or letter. They are in violation of 15 USC 1692gb, 12 CFR 1006.34c, and 15 USC 1681 s-2 for actual knowledge of errors. I found information on my credit report from them that is reporting inaccurately. The are reporting subsequent collections on my account updating it every month. I am aware of the unfair credit reporting of that behavior. It is not 100 % percent accurate.
Consumer complaint received 2023-10-06
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)

In XX/XX/2022, after over two decades of using my PayPal account without any issue, PayPal suddenly limited my account permanently -- banning me from using the service. They won't close my account and won't allow me to ever set up a new account with them. Many requests to them over the last year have resulted in zero details on why they felt my account should be limited -- they continuously claim they don't have to reveal their reasons. I have confirmed I did nothing that violated the user agreement/acceptable use policy. I wasn't even a seller on the platform -- just purchased goods, traded with friends/family, and gave gifts/donations. They will not allow any appeal or opportunity to address concerns. They won't permanently close the account. A request to then delete all my information and data from their system was denied- they stated that their policy allows them to keep my data around for a decade.
Consumer complaint received 2022-12-08
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. (MO)

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

XXXX XXXX XXXX XXXX XXXX XXXX  US DEPT ED XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX XXXX and 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 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 or 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. 15 U.S.C. 605 - 15 U.S.C. 1681c ( f ) no dispute remarks have been added to indicate previous disputes.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX  Delete this account.
Consumer complaint received 2023-09-19
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: Gotham Collection Services Corp. (CA)

I have carefully reviewed my credit report in the XXXX credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Reporting Agency- XXXX XXXX Transunion XXXX XXXX XXXX Accounts : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above unverified are fraudulently being reported on my credit reports that I have disputed several times with XXXX XXXX Transunion and XXXX and each time they keep telling me that these accounts are verified. However none of mentioned credit bureaus could provide me the method or proof of the verification process. None of the above collection agencies have not sent me a copy of the original assignment nor a copy of the original contract signed by me and this is a violation of 15usc1692g of the FDCPA. As a federally protected consumer I have a right to verify the debt and bureaus are fraudulently reporting these accounts based solely on heresy and not first hand documentation or knowledge that the debts and accounts are mine.
Consumer complaint received 2023-04-25
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: ID Analytics, Inc. (CA)

Please I been back and forth with agency that have been report illegally on my credit report please remove and delete all information. Im requesting to opt out of all, XXXX, XXXX, and XXXX data bases.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

On Mon, XXXX XXXX, XXXX I received an email from Citi stating that if I open a checking account and fulfill certain criteria I will receive XXXX miles on my XXXX XXXX account. I already had an XXXX XXXX credit card with Citi and I decided to get a checking account too to get the bonus.

The criteria to get the bonus was this : ( you can see it in the attached email ) 1 ( OPEN a new checking account and enroll in the offer the same day before XX/XX/2023 XXXX ) SPEND the required minimum amount on purchases using your Citibank Debit Card within 90 days after account opening 3 ) MAKE at least 2 Enhanced Direct Deposits totaling {$1000.00} within the first 90 days of opening your eligible checking account within the same 90day window YOUR AAdvantage bonus miles will be credited to your AAdvantage account within 30 calendar days from the date you complete all required activities I completed all the requirements on XX/XX/XXXX and my miles are not there yet. I contacted support multiple times on the phone and chat ( see chatlogs attached ) and the miles are still not on my account. Customer reps confirm in this chat logs ( citi promo 2 screenshot ) that I met all the criteria but when they open a support ticket to review my account it gets denied.

I contacted support again today and they transcribed a letter that there is nowhere in my account telling me I have to send proof I was selected for a promo to a physical address in XXXX XXXX, Texas. I am tired of this game when their reps have recognized I have the promo, I met all the criteria and I received my promo on my personal email, which is linked to my Citi account. I have never had to chase a bank so hard to get a promotion posted to my account.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

On XX/XX/2022, I applied for a credit card, and it was denied due to a low credit score per Equifax credit report. On XX/XX/2022, I contacted Equifax and after I paid for a membership to look at my credit score, I noticed that my address, credit card accounts, mortgage details were incorrect or missing. After several calls to Equifax between XX/XX/XXXX and XX/XX/XXXX, I was not able to obtain help to fix the above problems.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I submitted a dispute to Equifax in regard to account # XXXX. Equifax responded to my dispute by saying that the account in question was verified. As a consumer, I have the right to request how that item was verified by requesting the credit bureaus XXXX XXXX XXXX. On XX/XX/XXXX I sent out a letter to Equifax requesting the method of verification. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give you a method of verification within 15 days of your request. Equifax failed to provide any documentation proving they did their due diligence. I received a letter on XX/XX/2023 only saying the debt was verified again. No information on the method of verification, and past the XXXX timeframe. It is my understanding that under FCRA Section 611 ( a ) ( 5 ) ( A ) if a consumer reporting agency is unable to verify the accuracy of a disputed item within the given timeframe, the agency is required to promptly delete the item from my credit report. I request this account to be deleted immediately.
Consumer complaint received 2018-05-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I sent a dispute in regards to my Identity being compromised and the reporting of erroneous accounts that I have not authorized being on my credit nor did i receive any goods or services stemming from these accounts
Consumer complaint received 2023-10-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Park Hill Holdings (MO)

I have not supplied proof under the doctrine of estoppel by silence, Eagelhardt v. gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist pursuant to 18 USC 8 I owe no debt this company is violating My consumer right to privacy pursuant to 15 us 1681 b 2 company has also no permission to report anything using my personal information pursuant to 15 USC 16814 Below is listed all third party consumer companies reporting my personal information without my consent I want the rental Judgement in the amount of {$2100.00} XXXX removed from all companies listed XXXX XXXXSafeRent Solutions -Corelogic XXXX XXXX XXXX -XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
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. (VA)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
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. (NJ)

The XXXX ACCOUNTS being reported are violating consumer law federally under 15 U.S. Code 1666b - Timing of Payments which states that a creditor may not treat a payment as late unless reasonable procedures are in place to ensure that each required periodic statement, including the required information, is mailed or hand delivered to the consumer no later than 21 days before the payment due date. 

, I am requesting proof of notice that were mailed out to me not email at least 21 days before the due dates in question. Please provide original, valid notices, not emails of notices or templates. If you can not produce such notices or information related to the account in question meeting the specified timeframe, I request the removal of the reported late payment.
Consumer complaint received 2023-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MO)

I got my XXXX  Credit report dated XX/XX/XXXX, Midland Funding acct # XXXX shows this account is scheduled to continue on record until XX/XX/XXXX. I called this afternoon to XXXX to inquire when it would be deleted lady named XXXX says she would check system came back after 10 minutes on hold to say it will remain on report till XX/XX/XXXX told her thats not what was on my report # XXXX for XX/XX/XXXX, XX/XX/XXXX, report # XXXX and XXXX report # XXXX from three reports couldnt be wrong asked for a new report and want it removed XX/XX/XXXX as it says or what shall I do to fix this problem so Im not sure if any thing is correct. Confirmation # XXXX from call today XXXX
Consumer complaint received 2023-10-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IA)

XXXX XXXX XXXX XXXXXXXX is a phone number from Synchrony Bank that has been calling me relentlessly over debt collections. Over the last 7 days XXXX XXXX  ) they have called me at least 9 times and left several voicemails. 

They called me twice on Thursday, twice on Friday, twice on Sunday, twice on Monday, twice yesterday, and twice today. The earliest of these calls occurred at XXXX and as late as XXXX standard time.
Consumer complaint received 2023-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (TX)

On XX/XX/2023 I was approved for the HAF grants to help pay for my delinquent mortgage. My mortgage company PHH Mortgage is not communicating with the State of Texas HAF homeowners assistance program. 

Now my loan is at default if not paid by XX/XX/2023.
Consumer complaint received 2023-10-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (CA)

I bought a XXXX XXXX vintage cast iron from a XXXX woman in XX/XX/2023. We both were the group members of XXXX XXXX XXXX XXXX. She approached me from a posting that she made and I commented it was a beautiful pot. She was nice and responsive at the beginning before the deal was made. The pot arrived broken and it was packed badly and also without any alarming sticker such as Fragile. I spoke to her that night and she agreed will compensate me by sending me a pot if she found a similar one and requested me to wait. I waited for few months. I began running out of patient and fear for the uncertainty in life. I spoke to her in XXXX, she became impatient and saying me do not threaten her. I did not do anything, I was purely just checking with her how she wanted to resolve the issue. I wanted the pot or the money back so I was nice to give her another 2 months. On XX/XX/XXXX, I checked with her again. She denied everything and saying that she would give me a good price if she found the pot in the future. 

I posted the incident on the XXXX XXXX XXXX groups. Some commented that they had the same thing happened to them from this same woman. Few days later, I realized I was removed from the XXXX XXXX XXXX group without notice. The admin did not even investigate or talk to me. 

It is very hurt and painful. Months and months thinking of the pot and fearing of not getting anything back. I feel like I am being bully on top of loosing money. I reached out to Wise Inc and then my own bank, XXXX. Wise said they cant do anything. I replied the email asking for Chargeback but did not hear back from them. Then I called XXXX. XXXX explained that the nature of the transaction not allow them to do anything and advice me to report to a local police if I really wanted my money back. 

Wise does not allow adding any credit cards when setting up the account. I was all lead by the Wise. XXXX did chargeback for the customers. 

I want justice and I want my money back. 

XXXX.
Consumer complaint received 2023-10-06
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. (CA)

I have obtained and looked over a copy of my credit report for review and I noticed that there are some fraud accounts listed on my report. I have attempted to resolve this matter with the credit bureau to rectify this affair but they have been, dismissive and negligent in regards to complying with my request for correction. The disputed information is not related to any transaction made by me. 

These accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report. 

I have not had a good experience trying to resolve these issues. In the dispute I have highlighted key areas of importance in the colors red and blue. I wrote clear statement outlining the problem, accounts, what the violation is, how it was violated, what was not done to protect me, and references to support my standpoints with validity. 
I have requested my full information on file. The credit reporting agency has yet to send me the disclosures requested according to 15 USC 1681g : Disclosures to consumers ( a ) Information on file ; sources ; report recipients
Consumer complaint received 2024-07-23
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. (OH)

I OBTAINED ACOPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need this information to be deleted because it is affecting me and it does not belong to me.