davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
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. (CA)

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Has violated my rights with a incorrect billing error of late payments that posted on XX/XX/2018 and XX/XX/2018 as a 30 day and 60 day late. My rights were violated under these sections these as well : 15 U.S.C 1681 section 602 A.. States I have the right privacy.

15 U.S.C 1681 section A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c ( A ) ( 5 ) Section state 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 7 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 responsible cause to believe that the information is Inaccurate.
Consumer complaint received 2023-01-05
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Has violated my rights with a incorrect billing error of late payments that posted on XX/XX/2018 and XX/XX/2018 as a 30 day and 60 day late. My rights were violated under these sections these as well : 15 U.S.C 1681 section 602 A.. States I have the right privacy.

15 U.S.C 1681 section A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c ( A ) ( 5 ) Section state 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 7 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 responsible cause to believe that the information is Inaccurate.
Consumer complaint received 2020-03-03
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. (CA)

I found out that there are two accounts from XXXX XXXX XXXX XXXX appearing on my credit report. One of the accounts was opened in XXXX for {$300.00} and the other one was opened in XXXX for {$4000.00}. I had no idea these accounts were in my credit history since I never really keep track of my credit but I got my credit ran because I applied for a loan and that's how I saw these accounts. I don't know who opened the or how someone else could have got ahold of my personal information to open these accounts. I did not get anything out of these accounts that were opened in my name. I never made any payments towards either of those accounts. I filed a police report and notified that company.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-03-03
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. (TX)

ftc violations reported to the federal trade commission XXXX  XXXX master card XXXX  XXXX XXXX XXXX  card XXXX XXXX  XXXX credit card XXXX XXXX  XXXX XXXX XXXX  fcu all inquires on the above XXXX XXXX
Consumer complaint received 2023-01-05
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 accordante wit the fair reporting act. the list of accounts below has violated my federal protection rights to privacy and confidentiality under 15 usc 1681 Account XXXX XXXX XXXX funding Account XXXX XXXX XXXX has violated my rights 15 u.s.c 1681 section 602 A. i have a right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states that a customer reporting agency can not furnish a count without my written instruction 15 u.s.c. 1681c ( a ) ( 5 ) states no reporting agency not make customer report containing the following items of information any other adverse items of information other then convictions of crimes witch antedates the report more then 7 years 15 u.s.c. 1681s-2 ( A ) ( 1 ) a person shell not furnish any information related to a customer to any customer reporting agency if the person knows or has any reasonable cause to believe that the information is incorrect
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-03
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)

ftc violations reported to the federal trade commission XXXX  XXXX master card XXXX  XXXX XXXX  XXXX  card XXXX  XXXX  XXXX credit card XXXX  XXXX  XXXX  XXXX XXXX  XXXX  all inquires on the above XXXX XXXX
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (KY)

This debt was put on my report before by XXXX XXXX and XXXX XXXX  then removed and sod then placed back as a collection with no notice still and no verification from any one. As well as they do not have a phone number or contact information listed
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have disputed inaccurate inquiries on my credit several time, have called fraud department and nothing is being done about this matter. Making this document is the there last chance before I do my affidavit and sue.
Consumer complaint received 2024-02-21
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. (NJ)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2021-03-12
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 ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2020-03-03
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Regional Management Corporation (SC)

On XX/XX/XXXX Regional Finance located at XXXX XXXX XXXX XXXX South Carolina XXXX XXXX XXXX attempted to contact me at work again, I have told them before that they can't contact me at work. This is not the first time they have called.
Consumer complaint received 2020-03-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit International Corporation (WA)

As far as I can remember, I never owed money from anywhere else, but on XXXX of XXXX, all for sudden and out of blue, I have received mail from collection agency and they are called 'Credit International Corporation ' stating that I have debt that went to their collection agency and stating that there is interest amount as well. but never received any other validation email from those folks prior to receiving this mail today. And I'm pretty sure I never used any service or goods without paying anything or never had a call from anywhere that I had due from them ...
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
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. (CA)

I called XXXXEquifax after I purchased a credit report with XXXX on XX/XX/2022, After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was erroneous reporting on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/2022 I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX XXXX XXXX Balance : {$27000.00} Late payment status late will be fixed.
Consumer complaint received 2023-01-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (CA)

They refused to refund the amount. This what they stated in their e-mail : From : XXXX Customer Service XXXX Date : Wed, XX/XX/XXXX, XXXX XXXX Subject : Thank you for contacting XXXX Customer Service To : XXXX XXXX Cc : XXXX XXXX Dear XXXX XXXX, We are reaching out to you in relation to transaction XXXX in which you entered an incorrect bank account number. We contacted our partner to request cancellation of the transaction, but they were not able to cancel it or recover the funds. 

This claim has been denied and the case is now closed. If you'd like to request a copy of the documents that we relied on to make this decision, please contact us. You can also mail your request to : XXXX Attn : Customer Operations XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, CA XXXX USA In your request, include your name, the email address on your XXXX account, and the Case or Transaction Number provided. 

Sincerely, XXXX Customer Service Security | Legal | Privacy | Privacy ( USA ) | About Us | Locations | Help Center This email has been sent by XXXX, a XXXX service. XXXX is committed to preventing fraudulent emails. 

Both my wife and I have accounts with XXXX. On or about XX/XX/XXXX, we sent {$500.00} from my wife 's account to XXXX. The money was sent to the wrong account number ending in XXXX instead of XXXX. XXXX charged our checking account for {$500.00} on or about XX/XX/XXXX. We found the recipient has not received the money. Therefore, on or about XX/XX/XXXX, we sent {$500.00} from my account and XXXX c charged our checking account for {$500.00}. This time the money was sent to the right account ending in XXXX. Since then, we have tried to get a refund from XXXX and have not been successful despite spending 15-20 hours and exchanging various emails with no results. Every time I talked to XXXX 's customer service people they tell me it takes 30-60 days then 90 days and then forever. In the email above they refused to refund.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called TransUnion/XXXX after I purchased a credit report with XXXX  on XX/XX/2022, After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was erroneous reporting on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/2022 I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX XXXX  XXXX Balance : {$27000.00} Late payment status late will be fixed.
Consumer complaint received 2020-03-03
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: Specialized Loan Servicing Holdings LLC (OR)

Have tried numerous times to get credit reporting corrected with all 3 credit reporting companies no no avail from Specialized Loan Servicing Company. 

Continuously reporting erroneous information and refusing to submit corrected information to credit bureaus. 

Due to problems with accurately reporting information that they created due to negligence on their part, selling off our loan in the middle of a government modification program and not reporting that and clearing our account and correctly reporting this. 

Requested by certified letter dated XX/XX/2019 and received by signed return receipt dated XX/XX/2019 for the following that we have NEVER received : 1 ) copy of original deed of trust 2 ) Original signed promissory note 3 ) all transferred documents from XXXX  XXXX XXXX that was sold XX/XX/2019. 

This company refuses to provide requested information and simply sends a form letter to keep the information on our credit report without providing proof of the investigation that was made. We have been told that we must hire legal council to supeona our records to view what Specialized Loan Servicing sent to them.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is in regards accounts being reported by XXXX, Transunion and XXXX. I sent a letter back in XXXX to all three companies asking for all unverified and inaccurate accounts to be removed. I've only received a reply from Transunion in which they said the accounts were verified, however I've never signed off or consented to any verifications. I am still awaiting replies from XXXX and XXXX. I will be replying to them with a follow up letter this upcoming week. 

I've also been receiving an increase of unsolicited calls and letters from creditors since my initial contact with the bureaus. I found this quite unusual being as though my information was never given to them directly.
Consumer complaint received 2020-03-03
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)

I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. Equifax & XXXX  did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2020-03-03
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I recently filed a report with XXXX, XXXX, and XXXX  of inaccurate items being reported on my credit reports. XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX & XXXX did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2020-03-03
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. (NY)

On XXXX XXXX an inquiry from XXXX XXXX appeared on my report. I did not authorize this inquiry. I reached out to XXXX XXXX and they advised an application was submitted over the phone. I requested the application be cancelled. I requested Experian XXXX and XXXX remove the hard inquiry.
Consumer complaint received 2020-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NY)

I called MandT Bank ( MTB ), XX/XX/XXXX at XXXX and spoke with a rep about the calculation of the mortgage escrow which I believe to be wrong. 

We are in agreement that the monthly mortgage escrow before shortage should be {$1200.00} per month required annual mortgage escrow is 14 months at {$1200.00} or XXXX. 

Beginning escrow balance is {$7300.00} a/o XX/XX/XXXX. 

escrow payments from XX/XX/XXXX to XX/XX/XXXX total XXXX this would bring the total escrow to XXXX well above the required escrow of 14 months of {$17000.00}. 

The woman who answered the phone started the conversation by telling me she does not have the ability to calculate whether the escrow is right and it is done by computer. 

she kept saying the bank 's calculation is right with no explanation. 

I asked her how she can be so sure the Bank 's calculation is right when she told me she didn't know how to calculate an escrow earlier in the conversation. 

she hung up without saying anything. 

I did not raise my voice, but obviously, MTB 's training leaves a lot to be desired.
Consumer complaint received 2022-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (CA)

SOUTHWEST CREDIT SYSTEMS, XXXX for XXXX debt owed and immediately paid. 
This negative item still shows as unpaid as of XX/XX/22 on XXXX. 
Receipt of debt paid was sent in last month.
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (MN)

Twice in recent years XXXX XXXX XXXX, the issuer of my card, has paid fraudulent charges in spite of my objecting to the fraudulent charges. In the first case, I was able to recover the funds paid by XXXX over my objections with the help of the Consumer Fraud Division of the Minnesota Attorney General 's Office. In the second case, I filed a claim in Conciliation Court to recover the funds paid by XXXX over my objections and the recipient of the funds settled by paying me the full amount claimed.
Consumer complaint received 2019-04-23
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. (PA)

Fraudulent account open with the XXXX XXXX XXXX on XX/XX/XXXX the XXXX XXXX   XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX