davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (AZ)

Is a Bankruptcy court file in my Credit Consumer what is not true And after I go to the Bankruptcy Court of Phoenix and speak with the Clerk they mentioned the Credit Bureau never check with the Court for authentic letters Also the Court will never provide any letters to the Credit Bureau
Consumer complaint received 2022-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Financial Resources, Inc. (GA)

I have disputed this account with the creditor as well as the credit bureaus mutliple times. Both of which have failed to respond or send any proof that this debt is actually valid and legal. I believe this account also violates my personal HIPPA rights as it clearly shows its from a XXXX office and if you look at the account the reported dates are inaccurate across all 3 bureas which i believe is another violation of my rights. I have sent letters in XXXX and again in XXXX regarding this specific account and no one can seem to get back to me or fix this issue.
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MA)

Transworld Systems began garnishing my paycheck for a credit card debt in XX/XX/year>. The debt was paid in full in the third week of XXXX. However, Transword failed to apply one of the payments they received my employer, which led to them charging additional interest and garnish a part of my tax return that has not been refunded. Fast forward to XXXX and even with me sending them proof that my employer paid them, Transworld has not applied the payment nor refunded the {$1100.00} they garnished from my taxes. Proof of payments and communication are available.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have tried to have two credit agencies to report accurate information over the last XXXX to XXXX times. I have sent in formation to show that they aren't reporting accurate information. They explain to me that they either didn't not receive my information or the following account came back verified. The information I sent was by mail, online, and by phone. I request the following information to be deleted due to the inaccuracy of reporting with a copy of the original document from the original source. I have gotten hung up on for trying to have them report my information correctly. I have sent several document to both credit agencies to have these things updated or delete several accounts. 

Both of these credit agencies have violated section 15 USC 1681b, and the right to fair credit reporting by respectfully verify with accuracy and investigate with the creditor. 

I respectfully requested to be provided proof of the alleged item, specifically the contract, note or other instrument bearing my signature I have requested even for permissible purpose or proof that I applied or initiated these inquiries and as well remove the following inquiries that didn't have my permission, plus I gave them the list of following inquiries They continue to report the many negative things on my credit with no validation, without my acknowledgement and consent
Consumer complaint received 2022-04-22
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. (MD)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally provided consumer rights to privacy and confidentiality under 1681. 
Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 15 u.s.c 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

NewRez LLC failed to release the lien on my home. NewRez LLC told me there was no lien to release in XX/XX/XXXX after I paid off my mortgage. However, NewRez LLC recorded a lien on my home in XX/XX/XXXX for the mortgage I paid off. I mailed a Notice of Error to NewRez LLC in XX/XX/XXXX asking NewRez LLC to release the lien, but NewRez LLC has not released the lien.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have filed a dispute in regard to the incorrect/unauthorized items listen on my credit report. It has been well over 30 days, and I have not received any investigation results/updates.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have filed a dispute in regard to the incorrect/unauthorized items listen on my credit report. It has been well over 30 days, and I have not received any investigation results/updates.
Consumer complaint received 2022-03-29
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. (NJ)

XXXX removed this false report. 

XXXX need to remove XXXX XXXX. I have had no service to that would account for {$4600.00} bill. Its a XXXX service. what could possible cost {$4600.00}? 

It is a false and fraud claim. Please remove it ASAP.
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Convergent Resources, Inc. (TX)

I had a dispute with a cellphone company due to bad service and cancelled the contract, then the cellphone company turned me over to a collection agency so I contacted a lawyer and he sent the debt collection agency a do not contact me letter but im still getting letter from the company. my lawyer says the company violated the law and owes me {$1000.00}.
Consumer complaint received 2017-03-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Waterfall Revenue Group (DE)

I went to XXXX a few years ago for a XXXX. XXXX told me before he can look after me they would need to contact my insurance company and after he get approval of payment his office would call me and schedule a date for me to come in, I payed my copayment, and lefted the office. Two weeks later I receive a phone call from XXXX office with a date and time to come in, I went into the office payed another copayment. They told me my insurance approve my procedure and I do n't have to worry.I taught everything was fine, never heard back anything from the office, nof phone calls or anything. Now two years later I received my credit my credit report and they are charges of collection agency called A-1 COLLECTION SERVICES in regards to three sets of payments, {$660.00}, {$550.00}, {$81.00} was reported on all three credit bureau which drop my credit scores to a terriable low number, I am in the middle of purchasing my fist home, and this will harm me a great deal. Please help me.
Consumer complaint received 2022-10-14
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)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXX XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (KS)

My employer opened a US Bank XXXX  account for payroll. US Bank is refusing to allow me to access my account online. I have followed the steps to create an account and register the debit card per their website steps. Every time I attempt to login, theylir website kicks me out stating I need to reset my username and password. I try to follow those steps again and the website gives me an error that the card is already registered or a different error that my PPI information can not be verified, refusing access to my account. I have reached out to US Bank in writing and via phone. US Bank has refused to fix this error or allow me access to my account online or access to my funds.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2022-03-28
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-28
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (DE)

I had credit with Syncb /Ashley . I had this card paid off as I was paying they were losing my credit limit. Now I was not using the card I had no plans to use this card. I didn't want to close the card because I know closing cards lower your credit rating. This co. Closed the card.Then I received notice it was closed. This has caused my score to drop. This co was full aware this would happen. They are by far the worse co. I have ever seen. This is very unfair I have worked on my credit a long time trying my best. What can be done?? 
Thank you XXXX XXXX
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

According to our bank someone accessed our accounts using First Citizens Bank online banking system and stole {$130.00}, XXXX XXXX. The bank claims that they are not responsible for replacing these funds because the person who stole the funds used our username and password. The bank never confirmed which username or password was used. The bank 's fraud department handled the calls incorrectly and FCB agrees that the fraud calls were not handled correctly. The bank agrees that we the customer have never made any ACH transactions using their online system. The bank knows that we do not make these transactions, the amount of money sent or to those types of vendors. The bank employee confirmed that the services provided by the bank were not set up correctly ( these services were set up by FCB employees ). The bank fails to prompt their customers to do 2 step authentication or change their passwords. FCB assumes no responsibility for waiting over 24 hours to reverse the transactions fraudulently made. First Citizens Bank does not care about their customers or safe guard their customers money. They only said to file a police report and report it to the FBI. Their processes and procedures for fraudulent activity are non existent.
Consumer complaint received 2022-03-28
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)

I have written to Equifax numerous times since XX/XX/2021 that someone fraudulently applied for a credit card in my name through XXXX. Equifax always validated the debt, which resulted me conducting my own investigating. I was desperate, because I was in the process of buying a home, but the underwriters stated I had to resolved my issue with Equifax. I contacted XXXX and they stated they contacted Equifax and followed up with a letter. I sent that letter from XXXX to Equifax. I sent a letter to XXXX rebuking them on their process and they sent another stating they are unable to find evidence that the trade line display with Equifax. After receiving this letter, the first thing I did was go to XXXXXXXX XXXX XXXX  to try to pull my Equifax Credit report again. Although I was able to use this website to do this before, when I try to pull it for Equifax, it tells me it cant confirm my identity. So I am not able to get the free credit report that I am entitled to by federal regulation, and which I absolutely need to access as apparently Equifax is going to send me letters that lie and say that information has been validated, so I need to check this almost on a monthly basis to make sure that Equifax is not incorrectly adding things to my credit report. Next I went to the Equifax site to try to get a credit report. Apparently there is no way to do this without paying $ XXXX. I already had an account but forgot my password, and the code for forgetting your password is broken so it creates and infinite loop where it just keeps asking for your social security number ad infinitum. I went through XXXX XXXX to retrieve my Equifax Report. I can conclude that Equifax took my letters as frivolous and did not take my complaint serious.
Consumer complaint received 2022-04-22
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. (OH)

In accordance with the Fair Credit Reporting act XXXX account # { Original Creditor ) 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 an account without my written instructions
Consumer complaint received 2022-04-22
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. (NJ)

On, XX/XX/XXXX, I discovered a account on my credit report that had two late payments, I was never late on payments on the following account named XXXX, XXXX XX/XX/XXXX, I submitted the Letter to remove lates to the credit bureaus, the late payment under XXXX with the date of XX/XX/XXXX, and XX/XX/XXXX for Transunion and XXXX, needs to be update since I was never late on the account, so I need that information to be update
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (IL)

I made a credit card payment on Wells Fargo and it went through as expected. The problem is when I look at the ACH transfer on my bank statement I see that Wells Fargo has 9 digits of my credit card number in the XXXX description. Looking back through my bank statements, I see that this pattern is repeated for every payment I've made over the years.
Consumer complaint received 2022-04-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with " XXXX '' and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account Bal. {$8500.00} Account # XXXX
Consumer complaint received 2022-04-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with " XXXX '' and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP!

Account Bal. {$8500.00} Account # XXXX
Consumer complaint received 2023-02-22
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX : XXXX, XXXX XXXX XXXX : XXXX 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 instruction 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 the of convictions of crimes which antedates the report 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 agency if the person knows of has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX I completed work for a client. They asked to billed through Paypal. I have not used Paypal billing in the past. 

I am a XXXX XXXX out of Texas. I invoiced the client and they paid the same day. The total was two transactions for {$220.00} each. After Paypal fees the total due to me was {$430.00}. 

Then Paypal did something that has to be stopped, because it is a crime. They placed my funds ALL on hold. Then created a process essentially where I had to beg them permission to receive my funds. After begging they then preceded to tell me : congratulations you will receive your funds on XX/XX/2022. This is after I broke down and actually begged them to please allow me to have my money. 

There is something broken about our system. The CFPB was created to protect us from crimes like this. 

Paypal is illegally holding people 's money, and I guarantee you they are collecting interest on these grouped funds. Who does Paypal think they are? Why do they feel they can just do something like this? 

My client 's funds cleared on XX/XX/2022. Paypal will give me my money on XX/XX/2022. If I would not have begged Paypal for special processing they would have held it indefinitely. 

This is sickening, wrong, and it is illegal. How many people are they doing this to?
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (TX)

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
PHOENIX FINANCIAL SERV ( Original Creditor : XXXX XXXX XXXX ), balance is {$320.00}, and account # XXXX
Consumer complaint received 2022-04-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with " XXXX '' and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account XXXX. {$8500.00} Account # XXXX