davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (CA)

XX/XX/XXXX I answered a call from caller ID ( XXXX ) XXXX around XXXX. The representative was asking information about myself, and I tried to get information what the call was about. The representative seemed hesitant to give me details about the call but was insistent to get my personal information. Eventually, I was told that I have an unpaid balance of {$560.00} from my XXXX  acct that was closed on XXXX. 
Just to give a brief background about the matter. When I cancelled my old account to transfer to a new one, no balance was addressed to the best of my knowledge. I even went to three XXXX retail stores, had a face-to-face conversation with staffs with regards to this particular transaction ( cancelation of account ). And yet nobody mentioned to me that I have to pay the remaining balance of my equipment. I even confirmed with staffs before leaving the stores, and that I don't have any balance. In the two years that had passed, I did not receive any mails from XXXX because they have the wrong number address in their system. 
I called XXXX ( XXXX ) XXXX to verify the claim. The amount due was confirmed. I wanted to get more information how it happened. The rep can't access to my account via phone, it would be better to go to the XXXX store according to her. Per XXXX rep nothing can be done with matter since it was way overdue and that I have to pay the amount. 
It is not my intention not to pay any dues. I don't think it was fair for XXXX to put that burden on my shoulder to pay {$560.00}. I felt I was misinformed as a consumer and that the staff did not do a good customer service in addressing me their terms and conditions even when I was already at their store and would be willing to settle the matter and pay whatever due at that time. I am reaching out hoping that this concern be treated fairly and just. I appreciate your assistance.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/2023, XXXX erroneously reported my co-signer and I for a late payment when in fact the account is current and doesn't have a due date until XX/XX/XXXX.
Consumer complaint received 2023-02-04
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. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance 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 2023-02-04
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: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on multiple accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$260000.00}
Consumer complaint received 2023-02-04
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: Experian Information Solutions Inc. (TN)

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  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX & XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX, XXXX 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-30
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block or remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-12-30
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block or remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-12-30
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. (OH)

XXXX XXXXXXXX XXXX did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAArights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2020-12-30
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. (OH)

XXXX XXXXXXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAArights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2020-12-30
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: Experian Information Solutions Inc. (OH)

Contacted Experian by certified mail on XX/XX/2020 for investigations into these issues, and they were not corrected. Which they should be because the account is closed or has been closed due to transfer so they are not required to be on my credit report no longer. They keep trying to tell me I need to verify my identity and I have with ID, Social Security card, and utility bill. 

They left these account as is on my credit report. 

XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (AZ)

I submitted Check # XXXX for my monthly mortgage payment in the amount of {$1200.00}. It was cashed by Home Point Financial ( see attached PDF ) on XX/XX/XXXX. 

As of XX/XX/XXXX, this payment has not been credited to my account. The payment was not for a " suspense '' account. I have also not received via US Mail, a Monthly Statement for more than 30 days. I am not signed-up for paperless billing. I did receive notice that Home Point Financial is transferring service of my FHA mortgage to another Servicer effective XX/XX/XXXX. The loan details/outstanding loan amount provided by Home Point Financial on this notice did NOT reflect the payment in question. 

Thank you for reading my compliant. 
Respectfully XXXX XXXX
Consumer complaint received 2021-12-29
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)

My name is XXXX XXXX. There is no third party involved. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, Experian had reported on my credit report that XXXX XXXX XXXX had closed my credit card account. Due to financial issues, I was unable to keep up with the payments. Once the account was closed, my credit score took a hit which I had expected. On XX/XX/XXXX, it was reported on my credit report my XXXX XXXX XXXX XXXX  was 30 days past due. On XX/XX/XXXX, it was reported that the same credit card was now 60 days past due. One XX/XX/XXXX, XXXX XXXX was reporting my credit card is now 90 days past due. My credit decreased once they closed the account and now has been being decreased the last 90days on a closed credit card account. I have had other credit cards closed in the past but never have they reported past due on my credit report after the account was closed by the creditor. I don't understand how they are reporting past due every month on a closed credit card account when it was already past due before they closed the account which caused the account closure. Now they are decreasing my credit score several times which is unfair credit reporting.
Consumer complaint received 2020-12-30
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. (VA)

I am writing the CFPB once again because the last case was closed without an amicable solution when I wrote you previously, I provided an immense amount of evidence showing that the negative information that is being reported by XXXX XXXX XXXX for a creditor named XXXX XXXX with Account # : XXXX in the amount of {$320.00} is being illegally reported to my credit file that Equifax records has on my credit profile. 

Additionally, Equifax has deleted this same creditor in the past under a different investigation with the CFPB which I will also attach once again. 

Furthermore, XXXX has taken the matter of the investigation I had with them very seriously and immediately deleted the illegal records of this creditor and others on XX/XX/2020 from my credit request and I am asking Equifax to do the same. 
Please review the evidence attached. I'm in the middle of applying for a mortgage and this account this is listed on my credit report that is not mine is holding me back from being able to apply for a mortgage. 

I need to have this account remove as soon as possible as you will see that XXXX  took this matter seriously and deleted this account and others quickly because they're not mine. 

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 consumer 's 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, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX Please govern yourself accordingly.
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

EXPERIAN HAS VERIFIED IN XX/XX/XXXX a false DOFD.THE CORRECT DOFD ON XXXX CREDIT # XXXX ... IS XX/XX/XXXX.IF THE DOFD WAS CORRECT THIS ACCOUNT COULD BE REMOVED FROM MY REPORT NOW. 
ALL XXXX BUREAUS, EX, XXXX, XXXX report a dofd different from each other, all XXXX bureaus report a radically different payment history.all XXXX bureaus have been recently " verified '' with different information.
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: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX  || Account Number : XXXX - XXXX  || Account Number : XXXX
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you 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 3rd 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 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2020-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MD)

on XX/XX/XXXX i was notified by paypal that my account would be limited permanently and in 180 days ( XX/XX/XXXX to XX/XX/XXXX ) i would be able to move funds in my account to a bank. On XX/XX/XXXX i was allowed to move funds from my balance, but I had a goal on my paypal account in which I can not move funds from. I have XXXX USD in this goal and it can't be transferred from my goal to my balance or bank. I have tried to contact paypal Support and the support calling system hangs up on me and my emails have only been received by automated messages.
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: EQUIFAX, INC. (SC)

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 XXXX, 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  || Account Number : XXXX - XXXX  || Account Number : XXXX
Consumer complaint received 2023-02-04
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: Experian Information Solutions Inc. (MO)

I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I filed a dispute with TransUnion for XXXX of my XXXX XXXX accounts that the information shows last updated XXXX. This is third account with same problem that creditors confirm they regularly update and the errors are TransUnion. That same day, I made the final, large payment on a family vacation on a credit card WITH NO LIMIT. I believe and the facts support, TransUnion has acted in a discriminatory manner towards me and outside regulations and policies. TransUnion DROPPED MY CREDIT SCORE BY MORE THAN XXXX POINTS OVER THE LAST DAY. It is ONLY TransUnion and there have NO other changes. I contacted TransUnion by live chat and telephone, repeatedly asking for a supervisor. The representatives are RUDE, unprofessional, and can not be understood. I was refused transfer and disconnected XXXX times. The other XXXX previous disputes filed with TransUnion regarding seriously outdated information were within last few months and again, were determined TransUnions errors and failures to correctly update accounts with information they were provided. In addition to the above, I notified TransUnion of a recent swarm of solicitation, from debt consolidators and loan offers, a minimal dozens a day, and after demanding from several how they obtained my information, THE VARYING COMPANIES INFORMED TRANSUNION PROVIDED THE INFORMATION. This is very suspicious since the problem began shortly after the DATA BREACH WITH XXXX XXXX, that I was notified as a victim, and TransUnion was the company offered to provide enhanced security. I have worked very hard to establish my credit worthiness and always act with the highest level of professionalism and respected when engaged in customer relations. This situation is completely unacceptable and is fully supported by compelling facts. The credit bureaus are responsible for the publics most sensitive information and is the direct factor in an individuals financial security and stability. This problem is ONLY with TransUnion. It is shocking that American personal and financial information is managed and related by OVERSEAS REPRESENTATIVES. The risk is substantial and it is shameful to not require XXXX based representatives when many are not employed and substantial time and resources is exhausted complaining about XXXX. The government needs to step up and regulate these companies! It is incomprehensible that the credit bureaus are now permitted to collect subscription fees and generate revenue offer third party credit cards, implying a potential benefit and financial incentive.