davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
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. (NJ)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
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. (TX)

I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I wrote to Experian letting them know the information on my account is incorrect. 

Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Phone Number : XXXX Correct Phone Number : XXXX Lastly, I would like to inform you that my current employer is XXXX XXXX XXXX. 

However the information still exists on my credit profile, making it difficult for me to clear backend screening for a job application.
Consumer complaint received 2023-04-18
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery has changed the dates several time about these accounts that's in collaborations. It is way pass the time for these collections to be removed. Collection accounts are Portfolio Recovery XXXX {$790.00}, Portfolio Recovery XXXX {$1000.00}, portfolio Recovery XXXX {$1900.00}, Portfolio Recovery XXXX {$2000.00}. I've reached out to XXXX XXXX multiple time regarding this matter.
Consumer complaint received 2023-01-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NJ)

Dear Sir or Madam : The borrower, and complainant, received a Notice of Intent to Foreclose despite the fact that she has been paying the loan each month in full to the Original Mortgage Servicer, XXXX XXXX XXXX XXXX XXXX. Enclosed please find the cancelled checks. 
Upon information and belief, the mortgage account was transferred, without notice to the borrower, from XXXX XXXX XXXX XXXX to Selene Finance LP. Attached is proof of correspondence from the new servicer ( Selene Finance LP ) delivered to an incorrect address of the borrower. 

Moreover, Selene Finance LLP has failed to give written mortgage statements of each billing cycle showing detailed information on the current payment amount, payment history, missed or late payments, and for other information. The borrower continues to make payments to the original mortgage servicer due to the current servicers refusal to accept mortgage payments or to otherwise retrieve past funds sent to XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-22
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX, and Experian violated the law by allowing the following 3 items below to be re-added to my credit report after they were removed without sending me proper notification. These items successfully removed, as of XX/XX/2017, but were re-added. 
The items are as follows : XXXX XXXX-XXXX  XXXX- {$670.00} XXXX XXXX XXXX  {$580.00} XXXX XXXX XXXX- {$530.00} In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to  consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA.
Consumer complaint received 2023-01-04
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: ALLY FINANCIAL INC. (CA)

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 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 purpose.
Consumer complaint received 2022-10-21
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. (IL)

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 XXXX, Account Number # XXXX, Account Name : XXXX XXXX Account Number # XXXX, Account Name : XXXX XXXX XXXX Account Number # XXXX, Account Name : XXXXXXXX XXXX  Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number # XXXX Account Name : XXXXXXXX XXXX XXXX  XXXX Account Number # XXXX and Account Name : XXXX  and Account Number # 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (NV)

I sold my house in XXXX paid in full. It was even transferred at the county office. US bank home mortgage 5 years later is reporting late payments starting XX/XX/XXXX to XX/XX/XXXX when I havent owned a house sense.
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act. XXXX XXXX XXXX XXXX has violated my federally protected right to privacy and confidentiality under 15 USC 1681 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. 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 XXXX years.
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (TX)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-07-25
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. (TX)

I am refilling this complaint is for EXPERIAN. I sent them communication letters several times regarding the inaccuracies in my report due to inaccurate reporting reflecting on my credit report but no further action has been taken. They claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I have been fighting with the Credit reporting agencies Equifax, XXXX, and XXXX for over XXXX years now in regard to the inaccuracies on my credit report. I've even shown proof/copies of the inaccuracies and each time they send it back updated and verified. I know this to be false because they would easily remove the accounts from my report if they have done a proper investigation. They also have failed to provide proof of a proper investigation which I have asked for multiple times. TODAY I am taking a stand in gaining my life back. Because of these detrimental inaccuracies, I have been shamed by peers and employers neither have I been able to provide for my children as well, so today I am filing a huge complaint against Equifax!
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-04
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. (OK)

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.

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 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (MD)

In accordance with the Fair Credit Reporting Act American Credit Acceptance has violated my rights. 
15 USC 1681 Section 602 ( A ) States I have a right to privacy. 
15 USC 1681 Section 604 ( A ) Section 2 : Also states A consumer reporting agency can not furnish a account without my written instructions. 
15USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose. 
15 US CODE 1681 A TITLED DEFINITIONS RULES OF CONSTRUCTION PARAGRAPH 2 SUB PARAGRAPH A Subsection I States that A consumer report does not include information solely as to transactions in or experiences between the consumer and person making a report.
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (PA)

I called Experian to report fraud on my account and figure out how someone was able to get a credit card in my name without me receiving any alerts to verify. Especially because I put a fraud alert on my account back in XX/XX/. The customer service representative named XXXX was snarky with me. Her tone was unsettling and she was short with me. I am left unsatisfied and I am still unsure what will happen next with my credit report due to her lack of information. I asked to speak with her supervisor and she told me they were unavailable. XXXX stated they would call me back, I am still waiting.
Consumer complaint received 2023-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MN)

I have an ongoing dispute with PayPal. I had some unauthorized transactions that came off my account. 

The company claims I am being refunded, but I have been told multiple conflicting stories. I also would like to mention that the California Attorney General is involved now as well. Now as of late Paypal will not respond to any of my e-mails. 

I need Paypal to explain to me where the refunds are. When I will be receiving the refunds as well. I am attaching several messages from several different departments where Paypal says the case XXXX has been updated from authorized to unauthorized. The only reason I am writing this is because it seems some other agents are not knowledgeable and saying I am not being refunded. None of these are refunded to my account. Not one. Also attached is messages from the merchant that I have never had an account with them. 

Case details Case ID : XXXX Date reported : XX/XX/2023 Transactions refunded XXXX XXXX XXXXXX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XXXXXX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XXXXXX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XX/XX/XXXX, Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX  XX/XX/XXXX XXXX Payment - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX CRYPTO.COM XX/XX/XXXX, XXXX - PayPal Debit Card Transaction ID : XXXX - $ XXXX XXXX XXXX XXXXXX/XX/XXXX, Payment XXXX PayPal Debit Card Transaction ID : XXXX - $ XXXX
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been fighting with the Credit reporting agencies XXXX, TransUnion, and XXXX for over XXXX years now in regard to the inaccuracies on my credit report. I've even shown proof/copies of the inaccuracies and each time they send it back updated and verified. I know this to be false because they would easily remove the accounts from my report if they have done a proper investigation. They also have failed to provide proof of a proper investigation which I have asked for multiple times. TODAY I am taking a stand in gaining my life back. Because of these detrimental inaccuracies, I have been shamed by peers and employers neither have I been able to provide for my children as well, so today I am filing a huge complaint against XXXX!
Consumer complaint received 2022-10-21
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: EQUIFAX, INC. (NY)

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 2023-06-06
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: EQUIFAX, INC. (VA)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party.
Consumer complaint received 2023-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

The CBE Group , Inc Reference No. : XXXX XXXX Account No. : XXXX Submitting Claim for violation of : US CODE 15 U.S.C. 1692e - False or Misleading Representations A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation in an attempt to collect on a debt. I have reason to believe The CBE Group , Inc and XXXX are in violation of FDCPA guidelines by utilizing my information to collect on an alleged debt that is not owed by me. Please cease and desist any collection attempts on this account or I will be forced to sue for {$1000.00} for punitive damages under 15 U.S. Code 1692k.