davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-13
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. (AZ)

I am having trouble with XXXX  getting chapter XXXX bankruptcy information off my credit report even though it has been over 10 years since it was discharged. In my bankruptcy, I reaffirmed my mortgage with XXXX XXXX   XXXX and it was never discharged through bankruptcy. There is no bankruptcy in my public records portion of my credit reports but in the mortgage section it shows this information and I was recently denied credit because of it. Also, I am still paying on this loan and XXXX, Equifax, and XXXX  are not reporting all the on time payments I have made on this loan for years now. They all three show that I have no mortgage which is not true. I disputed this bankruptcy information being on my credit report for over ten years with XXXX  and it is still on my report. I need all three credit agency 's to show my years of on time mortgage payments and that I do have a mortgage and it was not discharged through bankruptcy. Can you please help me?
Consumer complaint received 2020-03-13
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. (AZ)

I am having trouble with XXXX  getting chapter XXXX bankruptcy information off my credit report even though it has been over 10 years since it was discharged. In my bankruptcy, I reaffirmed my mortgage with XXXX XXXX   XXXX and it was never discharged through bankruptcy. There is no bankruptcy in my public records portion of my credit reports but in the mortgage section it shows this information and I was recently denied credit because of it. Also, I am still paying on this loan and XXXX, XXXX, and Transunion are not reporting all the on time payments I have made on this loan for years now. They all three show that I have no mortgage which is not true. I disputed this bankruptcy information being on my credit report for over ten years with XXXX  and it is still on my report. I need all three credit agency 's to show my years of on time mortgage payments and that I do have a mortgage and it was not discharged through bankruptcy. Can you please help me?
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (AL)

I have bought jewelry from XXXX on XXXX XXXX and I paid with my PayPal account and then I cancelled the order so XXXX refunded me the whole amount of XXXX dollars but PayPal is not releasing the refund and is holding the money for NO reason. I contacted PayPal and I was told the refunded money will be the n hold for 30 days before they release it and refund it back to my credit card and that is Fraud and stealing and unethical and shady business practice. Why is PayPal holding a refund that I received from the seller goldsilver.com. When I get a refund it takes 3 business days for me to receive it back to my credit card and NOT 30 days like PayPal is claiming. They are holding my refunded money for 30 days. This is clearly FRAUD and unethical and shady business practices. What is the reason for them to hold my refunded money for 30 days. Money is clears by the bank in 3 days and NOT 30 days so they should release that refund of XXXX dollars and refunded back to my credit card immediately NOW and NOT after 30 days
Consumer complaint received 2023-01-01
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. (KY)

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 U.S.C. 1681 XXXX XXXXl account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # 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 2021-03-18
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)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX  Last reported XX/XX/XXXX {$1300.00} Reported balance Highest balance {$1500.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$3600.00} Reported balance XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$560.00} Open balance XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$320.00} Open balance {$1800.00} Reported balance XXXX XXXX {$960.00} Sincerely,
Consumer complaint received 2021-03-18
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. (NJ)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXXXXXX XXXX Last reported XX/XX/XXXX {$1300.00} Reported balance Highest balance {$1500.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$3600.00} Reported balance XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$560.00} Open balance XXXX  XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$320.00} Open balance {$1800.00} Reported balance XXXX XXXX {$960.00} Sincerely,
Consumer complaint received 2020-03-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M&T BANK CORPORATION (NY)

Thank you for the opportunity for XXXX to bear witness to your failure to respond to the issues I presented in my complaint # XXXXXXXX_through the CFPB. The issues which you avoided went right to my fundamental right to be free from inaccurate reporting as well as fraud and identity theft. One can only assume that the avoidance of those issues is an indication that you have more to hide. Your company failed to provide a responsive answer which would satisfy my right to information requested. I wish to make public notice of the following : 1. Notwithstanding the production of any substantively admissible facts to the contrary, the following shall stand as facts not reasonably in dispute in any adversarial proceeding : a. Your company furnished negative information to one or more consumer reporting agencies as evidenced in the above referenced complaint. ( See exhibits in the above referenced complaint ID # ) b. I filed a complaint with the cfpb. The complaint challenged the legal sufficiency of your actions. 
c. Your companys response appears intended to misrepresent and mislead me into believing that your company is in possession of sufficient substantively admissible facts to establish your right to report or collect on an alleged debt without having produced said facts. 
d. Your company has failed to provide me with substantively admissible facts sufficient to show that you have or had my express written authorization to use my personal identifying information in connection with the collection of the alleged debt in question. 
e. Your company has failed to provide me with verification of the alleged debt in question or contract in the form of a credit application. 
f. Your company has failed to provide me with substantively admissible facts which would show that I have agreed to any terms and conditions relative to an agreement with your company. 
g. Without a witness to swear to proof of service/proof of mailing of any billing statements, I am forced to deny the existence of any such account stated. 
h. Since the filing of the CFPB complaint specified above, I mailed a complete denial of the existence of any alleged debt and such mailing was not returned to me as undeliverable. 
i. Your company has portrayed me in a negative light to one or more consumer reporting agencies and in an unconscionable attempt to cause me to surrender money, rights, or property.
Consumer complaint received 2024-02-24
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. (OH)

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 the FEDERAL TRADE COMMISSION 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 removal 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-31
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Waypoint Resource Group, LLC (LA)

I was contacted at XXXX from a XXXX XXXX in regards to a claim about to filed against me. My mother was also contacted and left the same exact voicemail, but XXXX stated they were looking for me. The voicemail is attached below. When I called the company, Waypoint, I spoke with XXXX and asked for debt validation and their purchases agreement, she told me I would have to contact the original loaner. She told me I would end up having to pay close to {$5000.00} but they would settle for {$1800.00} and a {$500.00} payment today. I asked XXXX if this was a debt collection agency and she stated no, i asked if it was a law firm and she stated no. She told me their company just mediated payment between the original loaner and the consumer. Everything sounded fishy so I contacted a lawyer who confirmed my suspensions.
Consumer complaint received 2023-01-01
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. (KY)

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 U.S.C. 1681 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 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 2021-03-18
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: EQUIFAX, INC. (TN)

On XX/XX/2019, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-01-01
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. (NC)

XXXX is unlawfully placing redundant data in the comments section on my Credit file. 

It is unfair and it is junk data. 

I demand that you delete this XXXX account from my credit file because XXXX keeps violating my rights. 

View the attached document- clearly junk data A the account already says charge off - they dont need to say it again in comments- They have done this for years and the NC DOJ wants to see my report. 

If XXXX is still on my credit reports when I wake up on Tuesday morning I am reporting XXXX to the NC Bar Association, and the NC Department of Justice.
Consumer complaint received 2023-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bonneville Billing and Collections (CA)

I received notice that I owe Bonneville Collections XXXXin regards to acct # XXXX I informed them that I was exercising my right to discharge debt under HJR 192 73-10. Also 18 USC 8 all debts are the obligation of the UNITED STATES. Also by being a third party debt collector they are in violation of the FDCPA ( Fair Debt Collection Practice Act ). Violations 806,807 ( 2 ) ,808,807 ( 11 ) 809,812.it has become a burden and creating stress which is causing physical damages to my body. Also they in violation of 15USC 1692 ( c ) a 15 USC 1692 ( b ) 2 b ( 5 ) 15 USC 1692 ( d ) 215USC1692 ( g ). This added stress is creating a hardship on me and my family. they told I have no rights and they are exempt from these laws.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; The following address needs to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX ; the account ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$1300.00}.
Consumer complaint received 2021-03-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

After a string of robberies, including a few at gunpoint, I decided to move out of XXXX XXXX  XXXX. I made this decision after Management refused to move me up to the 2nd floor or higher in the interest of safety since most of the robberies took place on the 1st floor where I lived. They kept making promises to move me and never did. On XX/XX/2018 I gave up the keys and moved out. On XX/XX/2018, they sent me an inflated " Interim Bill '' of {$4800.00} which was totally ridiculous and out of spite. I indicated to them that I will not be paying the bill because it is inaccurate and exaggerated. On XX/XX/2018, they allegedly sent over the " Final Bill '' to Fair Collections and Outsourcing in the amount of {$4000.00}. 

Here are the contradictions between the interim and final bill : 1 ) The final bill has a balance of {$4000.00}. The only way the final figure would have been reduced is if I had made a payment. I did not make any payments, I refused based on inaccuracy in the first place. Under the circumstances, the final bill should be either equal to or more than the interim bill, unless someone somewhere is just cooking up figures out of spite and makes an error along the way. 

2 ) The interim statement correctly indicated that I gave up the keys and moved out on XX/XX/2018. However, the final statement indicates that I moved out on XX/XX/2018. How exactly did I move out of an apartment 36 days after giving up the keys? 

The entire thing makes no sense and is consistent with mal-practice. The collection company has been made aware of my observations and have refused to discontinue reporting this inaccurate item on my credit report. 

I also went a step further and requested a verifiable letter from an individual with original knowledge of the debt who can testify that the debt ( whichever figure it is ) was not used to receive a tax benefit or in an insurance claim. They flat out ignored that request. Interestingly enough, the lease at XXXX was a joint lease with " person A '' and Myself. " Person A '' wrote a letter to the collections company highlighting these very same observations, after which they quickly replied to apologize and discontinued reporting. Why then should it stay on my report? " Person A '' and myself were equally liable on that lease. You add it on her credit report, you add it on mine. You remove it on hers, you must remove it on mine. The same reason for removal applies to both.
Consumer complaint received 2022-03-23
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. (TX)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXXXXXX XXXX Balance Owed : {$190.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$95.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$21000.00}
Consumer complaint received 2019-12-02
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. (UT)

XXXX XXXX XXXX XXXX # XXXX is reporting an account to my credit that is past the Statute of Limitations in California. I no longer legally owe this debt and I need it removed off of my credit report.
Consumer complaint received 2023-01-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (NY)

The loan agency incorrectly capitalized my loan and the agent of the lender confirmed this error when Called and complained about the statement they sent back around about XX/XX/XXXX I requested that the balance be recalculated and I have been call but they have failed to act till the end of the year now. Prior to this time the lender has made every effort to encumber me from the easy refinancing of the loans even when I had great credit score and became a permanent resident. When the interest rates where going to be changed I called to refinance but the agent delayed me and made me call back the next week for no reason and I lost the low interest rates, plus they refused to even approve every single time. There was a time in XXXX that one of the agent gave me wrong information that I had no repayment hold remedies, causing me so much distress until upon other calls another agent gave the right information. I need to be able to have their cooperation in not inflating the rates. I have commenced the required arbitration proceeding as contracted - The XXXX limit prevents me from attaching a copy of the proceeding.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 

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

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.