davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
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: Experian Information Solutions Inc. (TX)

I disputed an item on my credit report with XXXX and they have not furnished proper documentation that the alleged debt belongs to me ; they have not properly identified legal ownership of the alleged debt ; they have not provided information that they are allowed to conduct business in the state of my residence which is Texas and they are unlawfully reporting incorrect information to the bureaus.
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (LA)

This is my NUMEROUS 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2019-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I was using paypal with an account with the email XXXX. Few days ago paypal limited my account and i am not able to withdraw any money to my verified bank account. Paypal sent me an email explaining to lift the limitations on my account and able to withdrawn money to my bank account i had to send in my photo id, social security number card and proof of address. I sent in my driver license as proof of photo id, my social security number card which is the same social security number listed on the account as well as my credit card statement for proof of address which is the same address listed under the account. All 3 documents was rejected. i called and was told my account is permanently limited and not able to withdraw any money from account and that i  need to wait 180 days. The account has money in it. The money from the account all came from my XXXX sales which has already all shipped.
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (SC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-01-21
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. (PA)

Im having problems with XXXX XXXX XXXX XXXX and the credit reporting companies reporting my balance and payment history. Im missing approximately 9 missing payments that were made on time, they jus werent reported. So on my credit reports it reads no data in stead of saying paid. I also have my credit card statements which were provided to me by XXXX XXXX.
Consumer complaint received 2023-02-28
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 Review my credit report and I find that there are accounts that are reporting misleadingly. These accounts must be verified in my report in order to prevent more erroneous information on my credit report. 

Please verify these accounts : XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX {$25000.00} XXXX sent the required files and documents to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov, so verify the aforementioned accounts
Consumer complaint received 2023-02-28
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. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward that the disputed items will be updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was surprised and concerned, as I have consistently made timely payments on this account. initially contacted XXXX XXXX  ACCOUNT NUMBER ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX via phone call and email I explained that the late payment entry appeared to be an error and requested its removal. 
The erroneous late payment entry has negatively impacted my credit score, which has negative consequences, higher interest rates, loan denial etc...

This situation has also caused significant personal stress and anxiety to me due to its potential long-term financial implications.

I do not recall receiving such notice regarding the late payment reported on my account, as required by this statute. The absence of this notification is concerning and raises questions about the compliance of your ( their ) reporting practices with federal law. In light of these legal requirements, I am requesting, Proof of compliance with the notification requirement under 15 U.S.C. 1681s-2 ( a ) ( 7 ), specifically evidence that your institution provided me with the required written notice regarding the negative information furnished to the credit bureau ( s ).

A thorough verification of the late payment entry. If this late payment can not be verified, or if it was reported without complying with the notification requirements, I request its immediate removal from my credit report.

My request is based on specific provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), namely 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ), 15 U.S.C. 1637b, and 15 U.S.C. 1681s-2 ( a ) ( 7 ).

Under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), as a financial institution regularly furnishing information to consumer reporting agencies, you are required to provide written notice to the customer before or within 30 days of furnishing any negative information. This notice is critical for ensuring that consumers are aware of and can respond to reported negative credit events.
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

My account received a Legal Order on the Bank of America online banking on XX/XX/2021, and all the money was taken out and no money is left now. 

I called Bank of America customer service over 7 times, but no one from the customer service team can explain, which agency asked the bank to make the Legal Order, what the Legal Oder is about, and how long it will take them to finish the review of my account. 

And every time the customer service representatives provide totally different answers. Sometimes they said I should only need to wait until next Tuesday, and sometimes they said I should contact their legal team ( but the phone number they provided can never be connected ), and sometimes they said I should write to the ICE. 

So, I am wondering as a very angry consumer, how can Bank of America act so unprofessional? How can they take my money without any clear notice? Does the agency they said really exist, or it is in fact the BoA take my money?
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

I already created a previous complained over the CFPB ( ID : XXXX ) in their reply they said they would send me a paper copy of my credit score and that if I beliefe information on it to be inaccurate I should mention the specific dispute.

In the " credit report '' they sent me ( Dispute results Report # XXXX ) instead of giving me a credit score or asking for documentation that might help them determine one they just said that they were unable to calculate and provide me with a credit score.

Just to be clear the information I beliefe to be inaccurate is the entire " credit report '' I got mailed, since it did not contain any actual credit score.
Consumer complaint received 2023-02-28
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. (TX)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the listed account from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I respectfully ask for your cooperation in deleting the late payments that were noted from my account history. I cherish my good connection with the Creditors and pledge to make sure that future payments are made on time and with more consistency. 
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. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 
XXXX 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. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative XXXX 
XXXX 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. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative. 
I am aware that the business has late payment procedures in place, and I genuinely appreciate your compassion and understanding in this regard. Please walk me through the appropriate procedures if there is a formal process to follow or if any further information is needed.
Consumer complaint received 2019-01-23
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. (OH)

I had a vehicle repo in XX/XX/XXXX, I had to pay a large payment and fees to get my truck back which I did within 24hrs, XXXX XXXX will not fix my payment history which on the credit bureau shows 12 more late payments than it should be, my history should be good since XX/XX/XXXX but it shows XX/XX/XXXX, I received a payment history as requested by mail from XXXX XXXX but they wont fix the issue with the credit bureaus so I filed a dispute with each bureau and it has never been fixed, it is a joint loan so this has affected mine and my wifes payment history, the only thing that happened with my dispute is that XXXX XXXX deleted the account on my side which lowered my score because of aged credit history but its still on my wifes credit report with the wrong payment history
Consumer complaint received 2019-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Acceptance Corp (WA)

My wife and I pulled all 3 of our credit reports to find out what was showing on them, as we hadn't done it in a long time. We were shocked to see accounts that we do not recognize, including companies we've never done business with. One of these was : Merchants Acceptance Cor The address listed on the credit report is : XXXX XXXX XXXX XXXX, WA XXXX The account number that they are reporting is " XXXX '' I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA . I have attached the letter with my complaint, for both my wife and myself. I mailed it " Certified Mail '' so that I would be able to verify that they received it. USPS.com tracking shows that it was delivered on XX/XX/XXXX at XXXX XXXX. I have also attached a copy of the " Certified Mail Receipts '' so that you can see the tracking of this letter. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has been 54 days ( Today is XX/XX/XXXX ) and they have not sent me anything at all. I have given well over the 30 day window for them to correct this and validate this debt they're reporting, but they have not done so. 

Please note that before sending the validation letter to this company, we also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and Merchants Acceptance Cor have NOT removed this account from my credit reports, or have sent me any kind of validation. 

We request for this company to remove this account from our credit reports immediately, as they have not followed the law, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. 

Thank you for helping me resolve this matter.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

- This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

When trying to temporarily remove a credit freeze on my experian account, the online access would not work. After many frustrating attempts, I finally figured out that I had to turn off my VPN protection. No where in their documentation did they state that you could not connect to their site thru a VPN. So I can't protect my connection that I send my SS # over with a VPN, nice. Second problem, the phone number they list to call to get assistance only goes to a phone tree with very limited options, none of which addresses the temporary removal of a credit freeze. I did find a phone number in a unrelated manner that connected me with their customer service group over in XXXX ... ..after an hour and 58 minute wait. This is really unacceptable for a agency with such power to be unaccountable and unreachable.
Consumer complaint received 2019-01-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TJC Mortgage, Inc. (GA)

I applied for a mortgage loan with XXXX XXXX XXXX through TJC Mortgage, Inc. back in XX/XX/2018 with Pre-Approval letter date on XX/XX/2018. My realtor got a Binding Contract on a property on XX/XX/2018 with contingency period on XX/XX/2018 and closing date on XX/XX/2018. All this information was emailed and received by XXXX on XX/XX/2018, so he was aware of the dates and the Earnest Money amount. On that same week, I gave the Earnest Money check to the seller for {$1800.00}. On the XXXX, he sent me the Loan Application and I e-signed it. The home got inspected on the XXXX as well for {$390.00}. Then he emailed me an Appraisal Payment Form from TJC Mortgage for {$470.00} on the XXXX, and I paid it. On the XXXX, XXXX sent me an email requesting additional documentation to finish up preparing the file for underwriting. I immediately sent him everything that he requested. I noticed he was already struggling with his underwriting team to get a final approval because part of my income is based on commission. Something I had initially discussed with him. Completely unaware of the Contingency Date ( XX/XX/2018 ),  XXXX started to ask for different documents to get a final approval from his underwriting on XX/XX/2018. Instead of given me a final decision on the Mortgage Loan before the  Contingency Date so I could at least get my earnest money check back, he went on trying different things to get it approved until finally deciding they could not get me approved on XX/XX/2018, only 3 days before the closing date ( XX/XX/2018 ). At that point I had already spent {$2700.00} and could not get the earnest money back from the seller. I was very disappointed and tried to get in contact with XXXX a few times to see if he could at least reimburse me for some of the expenses, but he ignored my emails and calls. He was extremely negligent in not getting things done on time, and not being upfront with me since the beginning. Besides losing {$2700.00}, I also had to pay a fee to stay at my current apartment and ended up spending on other extra expenses as well because of his negligence and irresponsibility. It was the worst experience possible trying to purchase my first home. What kind of Mortgage company gives you a final approval decision on a loan only 3 days before the closing date? I hope this complaint helps other people thinking about doing business with XXXX XXXX and TJC Mortgage.
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, and account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2023-02-28
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: Experian Information Solutions Inc. (AZ)

I am making this complaint by myself with no help from a third party. I noticed some accounts on my credit that do not belong to me i tried getting them removed from the credit bureaus to no avail.
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This account is being reported inaccurately. I am seeing repetitive late marks which is a violation. Also, I am seeing series fo late payments after the closed date. It is impossible to be late on a closed account. 

I have disputed this a couple of times but never got a response from them and no proper resolution of the dispute.
Consumer complaint received 2023-02-28
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: SYNCHRONY FINANCIAL (TX)

This is my NUMEROUS 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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Account XXXX XXXX XXXXXXXX XXXX  : {$8900.00}