davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
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. (IL)

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 XXXX 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 2020-03-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NH)

On XX/XX/2020 I received a payment from XXXX XXXX XXXX in the amount of {$4300.00} via Paypal. I then took {$2000.00} of the amount previously mentioned and sent it to my wife via Paypal. After that transaction was completed, I tried transferring the remaining balance which is {$2300.00} to my personal account and was constantly denied. It then said I was going be advised " within 24-72 hours '' ( something along those lines ) of what next steps to take to complete the transfer. Once i checked the mobile app after about 48 hours to see if it was ready, it stated that my account was closed and they would be holding my remaining funds for 6 months in the event of any charge backs. I would have been more understanding if I had received charge backs in the past which to this day has never happened. The person who sent me the payment offered to do an affidavit saying they would not be requesting any charge backs since I had already provided the services they had payed for. I am a consumer who teaches online and depend upon platforms such as Paypal, XXXX, XXXX, Venmo and others to support myself and my family. My wife 's account was also closed receiving the {$2000.00} mentioned above. I always provide the services I offer on our personal platforms. The balance of {$2300.00} is still there on the Paypal balance but i can ' t access it, as a consumer I am very disappointed by this action Paypal has taken towards me without reason. I spoke to a rep of theirs and explained what was going on and was brushed off once I told her I would be filing a complaint with Consumer finance protection bureau and she stated I can do whatever I wanted and they would still hold the funds for up to 6 months.
Consumer complaint received 2023-11-30
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-01-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am not able to submit a dispute with TransUnion online for what ever reason. Ive enclosed a screen shot image of the issue im having that is not allowing me to submit an online dispute.
Consumer complaint received 2022-02-24
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. (WI)

In accordance with the Fair Credit Reporting Act XXXX account number ( s ) ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, beginning with XXXX, beginning with XXXX, beginning with XXXX, beginning with XXXX, company NXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX company XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USA XXXX company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX USA has violated my rights.

15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. I am writing to address a matter pertaining to my credit report, specifically regarding late payments associated with my account. I understand the importance of maintaining an accurate and up-to-date credit history. I am writing to request the removal or updating of these late payments on my credit report. I believe that these entries do not accurately reflect my overall creditworthiness. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have taken proactive measures to rectify the situation and ensure timely payments in the future. I value my financial responsibility and the importance of a positive credit history. As such, I kindly request that the late payments associated with my account be either removed or updated to accurately reflect the current status.
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwest Recovery Systems (CA)

On XX/XX/XXXX, I became aware of fraudulent activity against my credit through my membership in XXXX XXXX , through XXXX XXXX . Two CRAs, XXXX  and XXXX are listing 2 separate attempts from Midwest Recovery Systems,XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX MO XXXX to obtain money in the amounts of {$4100.00} and {$3300.00}. XXXX lists the original debt as from XXXX, location unknown. This is likely a check cashing/payday loan operation. I have never used this company 's services, nor that of any other such entity. It should be noted that I filed fraud complaints in XXXX that were of a similar nature e.g., loan shops. Those complaints were investigated and resolved as fraud against my name and confidential information. 
The XXXX XXXX XXXX I spoke with on XXXX said that sometimes these old files are resurrected and sold to another entity. The amounts in the prior fraud were approximately {$4000.00} and {$2500.00}.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX has been paid in full on account ending in XXXX. This was for an HVAC system. I've disputed this with the three bureaus, and they've updated my XXXX file, but my XXXX and Equifax file still shows a balance owing of {$3800.00}. I was told to wait until my account was paid and updated and a new statement was generated, but that has happened for XXXX and my Equifax and XXXX file still remain incorrect.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

XXXX accordance with the Fair Credit Reporting Act XXXX  accounts ( XXXX XXXX XXXX ) and ( XXXX XXXX XXXX ) have violated my rights. 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681 section 604 2 It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-01-16
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)

EXPERIAN, XXXX  AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING A FRAUDULENT ACCOUNT AND INQUIRIES ON MY CREDIT REPORT/PROFILE, BELOW IS THE FRAUDULENT ACCOUNT : XXXX XXXX XXXX : ACC NO : XXXX DATE OPENED : XX/XX/XXXX AMOUNT : {$1600.00} FRAUDULENT INQUIRIES : XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my application are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2020-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

On XX/XX/XXXX I was due an escrow overage refund of {$100.00} cents. Loancare, a XXXX XXXX, shows a copy of the check on my online account. The address is not entered correctly, and cut off important information so that the check could not be delivered. The check was never cashed. Loancare ignored this fact, and never reflected on my statement that the check was not cashed. I called customer service no less than 5 times over the past year to get a new check issued. Every time I called they told me they would take care of it. However, it never got resolved, and does not reflect on my account that they ever tried to reissue a check. The last response I got was that they were going to overnight a check to me on Wednesday, XX/XX/XXXX, and I would receive it on XX/XX/XXXX. Of course the check never arrived, and I got no information regarding the check being mailed with tracking information through my email, or on my account. I called again today, XX/XX/XXXX to check again on what the status was. I was told the check went out today overnight mail. I asked what carrier was used, and could I get the tracking number. The customer service representative couldn't tell me who the carrier was, or what the tracking number was. I asked to speak to a supervisor, and was put on hold for 20 minutes before I realized they didn't intend to pick up my call. I fully believe that Loancare is committing financial fraud by hiding refunds from customers. If I wasn't savvy enough to keep pursuing this, they would certainly be keeping the money. How many other customers have they cheated? I am sure I am not alone. XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-06-07
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 investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2022-08-31
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. (GA)

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 1 : It also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2020-01-16
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. (GA)

XXXX, TRANSUNION AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING A FRAUDULENT ACCOUNT AND INQUIRIES ON MY CREDIT REPORT/PROFILE, BELOW IS THE FRAUDULENT ACCOUNT : XXXX XXXX XXXX : ACC NO : XXXX DATE OPENED : XX/XX/XXXX AMOUNT : {$1600.00} FRAUDULENT INQUIRIES : XXXX/XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2020-01-16
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: Experian Information Solutions Inc. (CO)

Experian and XXXX  are incorrectly reporting a collection on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have been served regarding this account and the account is also currently being reported on XXXX XXXX and consequently should NOT be reporting on my credit report. I was also told this collection account would not appear on my credit report. I was not aware this account was showing as a collection until I obtained a current copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On this day of XX/XX/24 I was reviewing my TransUnion consumer report and at that time I see I still have old and incorrect personal information along with addresses from 5 years or more. There is also different variations of my first and last name that is not correct this derogatory information is being reported without my permission or a court order. TransUnion policy doesn't supercede federal law.This is a violation of the FCRA the information being reported on my consumer report should be precise and accurate. I have attachments that will show the inconsistent information. There should only be correct precise information being reported on my consumer report.

1 ) address 1 ) name 1 ) Employment 1 ) D.O.B According to the FCRA when ever consumer reporting agency prepares a consumer report it " shall '' follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (NY)

My dentist office was supposed to do a " pre-qualification '' and instead submitted an application opening this account without my approval. I informed Comenity Bank on numerous " recorded '' calls. In addition, I had advised them not to close this account, since it was already on my credit report and I didn't want it to effect my XXXX XXXX, which Comenity fraudulently closed. I told Comenity they should get the money back from the dentist office who wrongfully opened this account. Most of the funds were returned back to the card after my continued dispute, with the exception of {$1500.00}. I informed Comenity that I would never pay for an account that I didn't approve to have open at the time the application was submitted by the dentist office. On XXXX of my calls, which I recorded, Comenity informed me that I had called to have this account closed, to which I had informed them I never called to have the account closed and that I now consider that to be fraudulent and it should be investigated and reopened since I didn't make that request. Comenity instead tried to have me log-in online and then transferred my call to the dentist office that wrongfully opened this account.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my application are not mine. Please remove these unknown items from my report. 

XXXX XXXX  XXXX {$1100.00}
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I continue to have problems lifting/temporarily removing a security freeze on my TransUnion report. The representative continue to tell me that my case-must be handled by their special case department. They can never give me a reason on why my account is being handled by this department. I truly believe in protecting ones information, but this is ridiculous. Im continuously getting the run-around from different departments and the language barriers doesnt help. I have no issues with lifting/removing from XXXX or XXXX. It should not take weeks to have a security freeze lifted, when its an online transaction.