davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-09
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. (MO)

EQUIFAX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX OF XXXX XXXX XX/XX/XXXX XXXX ACCEPTANCE NOW XX/XX/XXXX XXXX REGIONAL ACCEPTANCE XX/XX/XXXX XXXX COMMUNITY CREDIT XX/XX/XXXX XXXX FINANCIAL XX/XX/XXXX XXXX FINANCIAL XXXX RESOLUTION XX/XX/XXXX XXXX ASSOCIATES XX/XX/XXXX XXXX XXXX ASSOCIATES XX/XX/XXXX XXXX GOLDEN XXXX XX/XX/XXXX XXXX RECOVERY CAPITAL XXXX XX/XX/XXXX $ XXXX RECOVERY COMENITY BANK XXXX ENERGY XX/XX/XXXX XXXX ENERGY PRIMARY XX/XX/XXXX PUBLIC RECORD FRAUDULENT ACTIVITY BKTCY CTS XX/XX/XXXX
Consumer complaint received 2024-03-16
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. (FL)

I looked up the Fair Credit Reporting Act and In accordance with the Fair Credit Reporting Act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 A XXXX XXXX XXXXXX/XX/2024. These Companies Violated my rights because I didn't give written access for them to obtain my credit report. 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.I would like to have t XXXX XXXX XXXX XXXX removed from my credit report immediately. 

I WOULD LIKE THE XXXX CREDIT HARD INQUIRY DELETED OFF MY CREDIT REPORT IMMEDIATELY
Consumer complaint received 2024-03-16
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. (FL)

I looked up the Fair Credit Reporting Act and In accordance with the Fair Credit Reporting Act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 A XXXX XXXX XXXXXX/XX/year>. These Companies Violated my rights because I didn't give written access for them to obtain my credit report. 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.I would like to have t JPMCB CARD HARD INQUIRY removed from my credit report immediately. 

I WOULD LIKE THE XXXX CREDIT HARD INQUIRY DELETED OFF MY CREDIT REPORT IMMEDIATELY
Consumer complaint received 2021-04-01
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. (NC)

Trans Union Credit Company has combined me with another individual our socials are almost alike with similar names. I have been attempting to correct it since 2019, I have all documentation prooving my information. The other individual has bad credit I should have good. All of her bad debts show on my scores. I have contacted and disputed time and time again and proof. I have mailed correspondents and certified mail and have received no help. When I try to pull a report on me no information is provided. 
The other two major credit companies do not show what Transunion shows, for the other two it shows my credit score representing these issues from trans union but does not show the mixed social sec. numbers. so this is strictly related to Trans Union information. 

Please help, I do not know what else to do as I can never get a live person that understands or will speak to me. I've attempted since 2019 to straighten this matter up.
Consumer complaint received 2021-04-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC (SC)

American Credit Acceptance account # XXXX is reporting inaccurate information to the credit bureaus. After reviewing my account I see that the account has been re age. According to the report with XXXX they have my first day of delinquency in XXXX of XXXX, and have a time to be remove from my report on XX/XX/XXXX. XXXX  and XXXX  has my acct show to be the first day of delinquency XX/XX/XXXX. This is truly inaccurate. XXXX has my account to that it will be on my account until XX/XX/XXXX XXXX
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-04-01
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commercial Recovery Systems (CA)

XX/XX/2021 - A man claiming to be named XXXX XXXX from CRS and Associates in New York is aggressively calling me over and over again, calling my employer, my father, my ex father in law and every other person listed as a relative on my public records. Claiming I wrote a bad electronic check and owe money. Which is not true, false and a complete scam. He is trying to scare me into paying him claiming he will be serving me and suing me, telling me I owe money to him for a fraudulent check from years ago. I know it is scam as I do not owe this but I want him to stop harassing my family, employer and friends. This has to stop. I have blocked his number but he keeps calling my business office and landlines which I can't block him on. He calls from XXXX. I have voicemails from him as well that are very aggressive and attacking. Please help. Please stop this man from continuing to so this to me and others. Thank you!
Consumer complaint received 2021-04-02
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (CA)

I have completed my loan modification conditions to take my loan out of forebearance but the incompetencies of Freedom mortgage has my loan still tagged as in forebearance. I have been waiting for 4 weeks to get paperwork to sign and notarize in order to complete the terms of the loan modification but I just found out today that the paperwork has still not been completed. I was told by the agent at Freedom mortgage that I should have received these documents about 3 weeks ago. I am tired and frustrated of receiving phone calls from Freedom Mortgage asking if I was ready to take my loan out of forebearance when i've already completed the conditions to get out of forebearance. This complaint is solely to get their attention in order to complete my loan modification in order to get this off my credit report and show that my payments are current.
Consumer complaint received 2021-04-01
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. (FL)

Re : Request to remove inaccurate information from Credit report On or about XXXX of 2016 I was assessed an annual fee in the amount of XXXX to my XXXX  XXXX Credit card. First, I never told the card had an annual fee when I was solicited to apply. Therefore I didnt expect any charges as I was not using the card. 
I returned from vacation to find a past due notice for the account, as well as a 30-day late notice alert from the credit reporting agency. Knowing that I had been out of the country and hadnt use the card. I immediately called to XXXX XXXX to report this charge as fraud. 
Only then did I learn that an annual fee was assessed to the account and not paid. I explained that I was never told about an annual fee, and I had been out of the country and therefore, unaware and unable to pay any fee at the time of assessment. I requested that the late fee and 30-day late report be removed considering the circumstances. I was told to send in an explanation, and it would be reviewed. So, I did. This was in 2016. 
I was contacted bout 15 days later and told that the late fee and report to the credit bureau would be removed, however I still needed to pay the XXXX annual fee first. So, I paid it over the phone. The XXXX XXXX agent also suggested that they issue me a XXXX annual fee card, to prevent this from happening in the future, so we did that as well. Which I still have now. 
I was told it would take a up to 30 days for the credit items to be corrected on my credit report, but I was assured it would be taken care of. 
Now I see this error is back on my credit file. 

I recently contacted XXXX  XXXX again and they asked me to re-submit my request as the old request was lost. I was just notified that they would not be removing the error from my report because they see it as accurate, although they had agreed to remove it before in 2016 and took my payment. Otherwise, I would have just told them to close the account.
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (NM)

On XX/XX/2021 I initiated a deposit into my binance.us exchange account for {$1000.00}. It was unable to deposit successfully and it was processed as a chargeback. I received an email stating " Please deposit XXXX USD within 7 days to bring yourBinance.USaccount into good standing '' & " Failure to settle the outstanding balance may result in the liquidation of your crypto holdings as necessary to cover your outstanding balance ''. When I attempted to deposit into the account an error message appeared and the deposit failed. I have over {$4000.00} in my account that is locked/restricted. I have sent a follow up email and no one has reached back out to me. It has been over 7 days.
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

My account randomly became frozen on XX/XX/XXXX under the caption " due to recent activity that triggered some security alerts. '' When I tried contacting customer support to try to figure out what triggered alerts and reactivate my account, I received a message stating I would be contacted via email in 5-7 days. In 6 days ( XX/XX/XXXX ) I was contacted via email and still received no definitive answer for what had happened to my account and why. The email stated that the case requires additional attention from another team and that they will reach out to me. Later that same day XXXX received this message : " I AM SORRY BUT THERE IS NO FURTHER INFORMATION OR DETAIL I CAN PROVIDE ABOUT WHY THE ACCOUNT IS Suspended. Do NOT, under any circumstance, tell the account holder that : they are being investigated ; their account is being investigated ; their account iwas suspended by XXXX XXXX or XXXX ; or any other detail or information about who actioned the account or why the account was actioned. '' Since this all began on the XXXX I still have no received information that can tell me what exactly was flagged or why i can't access my account. I have {$280.00} stuck in that account that I can't transfer because of the freeze.
Consumer complaint received 2021-04-01
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

XXXX did not read my previous complaint correctly AT ALL. XXXX XXXX declared me dead and then reopened my account months later. They added fees past due payments ( which they wouldnt let me pay because they said I was dead ). Then when I refused to pay interest and late fees and the past due of {$600.00} ( only past due because they wouldnt let me pay because they had it marked deceased ). I REPEAT THEY REOPENED THE ACCOUNT AFTER WITH NO APOLOGY OR EXPLANATION AND REFUSED TO REMOVE LATE FEES AND ACCEPT A REGULAR MONTHLY PAYMENT AFTER THEY HAD MY CREDIT FROZEN. SO NOW THEY KEEP CHARGING IT OFF!!! I offered to pay what was due before they closed and reopened my account!
Consumer complaint received 2021-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I recently reviewed my credit report and seen a few accounts that don't belong on my credit report one is a child support I do not have any kids I contact the court house said it should be removed miss spelled name I sent the letter to credit bureau no response its been well over 30 days also a get it now and bankruptcy..
Consumer complaint received 2021-04-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia (AZ)

I had internet service through XXXX XXXX. I will attached bills showing XXXX for tv service from XXXX - XX/XX/2020. In XX/XX/2020 they sent me a bill for tv service. {$240.00} + XXXX in taxes. I called and said I did not order tv service but they only credited a portion. I disputed the difference of {$130.00} with my credit card company as it was on auto pay. XXXX XXXX gave me a credit. XXXX then charged me a {$25.00} return payment fee and said I still owed them for the tv service that I didn't order and they could not provide a work order or that I had called and ordered tv service. They have since sent this to collections.
Consumer complaint received 2021-04-01
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 ()

Hi My name is XXXX XXXX XXXX. 

I operate an account with PayPal with Reference ID : XXXX. 
Recently Sat, XX/XX/2021. XXXX XXXX, my account was blocked and I received a mail stating that I can no longer use their service also my funds are going to held for 180 days. 

I was surprised since I have no issue with any of my clients who has paid us via PayPal. we offer a fair service that only accepts payment once our clients are satisfied with our service to them. 

Since the mail stated that I violated one of their rules and I wasn't sure which one was it, I mailed them and I was told that my documents didn't match information on their platform. 

I sent them a mail trying to explain what happened and they haven't gotten back to me ever since. 

I have attached the conversation with them here, And I am hoping to get a response.
Consumer complaint received 2021-04-01
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. (AL)

Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitaPlease remove all Inaccurate addresses immediately as they are unlawfulble for legally binding contracts or credit accounts ).
Consumer complaint received 2021-04-01
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. (AL)

Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitaPlease remove all Inaccurate addresses immediately as they are unlawfulble for legally binding contracts or credit accounts ).
Consumer complaint received 2021-04-01
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. (TX)

XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX BANKRUPTCY PETITION potentially negative icon Potentially Negative XXXX XXXX XXXX TX XXXX Date XXXX Dispute ( XXXX ) XXXX
Consumer complaint received 2021-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: USI Solutions Inc. (VA)

XXXX XXXX, XXXX XXXX called me ( I am the XXXX for XXXX XXXX ) on XX/XX/XXXX. Said they are calling about a XXXX XXXX account from XXXX XXXX did not know what this was for. He told me that on XX/XX/XXXX and told my mother the same thing. My mother has XXXX and would have no way of knowing what this was for. I asked for proof and an agreement letter was emailed to me. I sent a response on XX/XX/XXXX. We have never heard anything else. Today, XX/XX/XXXX, someone called, I do not know her name. The telephone number was XXXX and she said she was calling from Pennsylvania. She told me that they own this debt and I had talked to her co worker. I told her that my mother doesn't owe them anything. She told me that at the end of the day my saying that means that it is owed and is a refusal to pay. They bought something that is not owed and they are trying to get my mother and/or me to pay for this. My sister paid an account in XXXX for my mother to XXXX XXXX but we have no proof because it was so long ago. My parents filed bankruptcy in XXXX and XXXX, XXXX XXXX pointed that out in our conversation. If this debt was owed in XXXX it would have been included in a bankruptcy We have never heard from this company or XXXX XXXX until XXXX of XXXX. My parents were removed from their home in XXXX and placed in the care of social services until I brought them to Virginia. I need someone to help with this harassment by USI for something that is not a valid debt. Copies attached.
Consumer complaint received 2021-04-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES ON MY EQUIFAX CONSUMER REPORT I HAVE UPLOADED MY FTC REPORT UNDER OATH THIS IS A CLEAR VIOLATION OF THE FCRA 15 USC 1681a. ( 2 )
Consumer complaint received 2021-04-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION (VA)

OnXX/XX/XXXXI received a call from XXXX XXXX in the Bankruptcy department demanding I pay past due of XXXX. She called harassing me a very rude tone. The demanded I pay one month car payment. I was advised to pay monthly what I can. No mini Miranda was given. The calling demanding to pay. Very hostile.I paid XXXX last week call again this demanding past due. 


Access number XXXX I feel I have been discriminated due to me being an XXXX American. 

XXXX XXXX
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (PA)

American Express serve prepaid card Claims to o have close my account with a remaining balance they say I have committed a crime of loan fraud and have no other options I sent a XXXX dollar payment to my mother in 2020 XXXX XXXX and had issues with the card thereafter they will not release the remaining balance which was added in the form of cash and has nothing to do with the loan the XXXX worker who loaded the card eluded to this being my last deposit your assistance required This is definitely community intervention as it give the card holder the ability to do things immediately which is not helping which the community is adamant that's why I'm here it is not helping to the surrounding merchants when you order what you immediately need on line
Consumer complaint received 2021-04-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I sent XXXX XXXX a goodwill letter to ask to have account removed from XXXX credit reporting agencies in XXXX, XXXX & XXXX of 2020. The account is paid and closed XX/XX/2020.
Consumer complaint received 2022-01-04
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. (AL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.