davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
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. (FL)

This account is reporting late reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify from themselves, but they failed to neither verify nor update me about these complaints. Please update the late payments from this account. 
XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance Owed : {$20000.00}
Consumer complaint received 2021-07-11
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

On XX/XX/2021, I sent my son {$400.00} through PayPal but his account is closed and I didn't know. 
I tried to get monies back from Paypal but was told through online chat there's nothing they can do. 
I looked for a phone number through XXXX to talk to someone and encounter a scammer, he asked to take control my phone for identify verification, but had over {$900.00} stolen ( which my bank refunded ). I closed my PayPal account after that But I am still out {$400.00} which PayPal has, PLEASE HELP ME The money has to be there because the account that my son used is closed
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: National Credit Care, LLC (TX)

National Credit Care had stated that they would be able to remove inaccurate items on my credit report. I must say with much disappointment I have seen Zero Results from they're services which I have paid faithfully for months on end to get an ending result of ZERO. I am asking for a full refund and I have already reported them to the FTC- Federal Trade Commission FTC Report Number XXXX. I have made numerous attempts to resolve this matter directly and kept getting different representatives who would transfer me numerous times in efforts to not address the refund issue.
Consumer complaint received 2021-07-11
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. (GA)

I have reached out numerous times pertaining to my issue dealing with reporting inaccurate information on my credit report. I am now going to provide you with the list of violations you have committed against me as the " CONSUMER '' and the " ORIGINAL CREDITOR ''. Far too long I have allowed you to violate me due to my lack of knowledge. 
For starters you are in direct violation of FCRA 15 USC 1681e ( b ) my reports are supposed to be 100 % accurate not 99 %!

Now we can now address 15 USC 1681 b ( a ) ( 2 ) which states that I have to give you written permission to furnish anything on " MY CREDIT REPORT '' in which I have not.

You are also in violation of 15 USC 1681i. I have attached your response below when I asked you to investigate, you said you were not required to reinvestigate this item in which that is false. If you did reinvestigate this information you would see that the payment status is incorrect across several accounts ( images attached below ).

Now if all of those violations are not enough for grounds of removal look very close and pay attention as I will now go into depth with you so follow close and learn!!!!

FCRA 1681a ( 2 ) ( b ) under the exclusions section states that " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : if you look at the definition of a credit card under 15 USC 1602 it states that it is " ANY card, PLATE, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, SERVICES, on credit ''. If you don't remove these accounts you are civilly liable for reporting these inaccurate accounts. I will be sending this to you as well via priority mail. I look forward to your response. Lol
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (KS)

I have an XXXX  mastercard account issued by XXXX bank. It is linked to an old paypal account that is linked to an old address XXXX. I have been trying to get this linked to my new paypal account XXXX for the last year. Paypal tells me to contact XXXX and XXXX tells me to contact paypal. Today XX/XX/2021 I have spent over XXXX XXXX hours calling and messaging with both paypal and XXXX. XXXX has now indicated that there is no way to unlink them. Despite the fact that I no longer have the email address used for the paypal account. I have spoken with supervisors at both paypal and XXXX. I am now speaking with XXXX operator ID XXXX at Synchrony who has advised it can not be unlinked and that I can not close the paypal account and that there is no way to access the XXXX mastercard online but for an old paypal account. After XXXX minutes I was transfered to XXXX op id XXXX with XXXX XXXX  who advised that this was how it was set up by PayPal and that XXXX has no other way for me to access the card electronically. I have asked PayPal to change the email address on the old account to the new email to resolve the issue. I was told that I had to open a new PayPal account and cancel my XXXX credit card. This can not be the first time this issue has arisen and no one is willing to present a resolution.
Consumer complaint received 2021-07-11
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. (OH)

I asked the 3 credit bureaus to verify a bankruptcy. I contacted the courthouse to see if they verify with these agencys. The lady told me that they dont do that. 

There are other things on my report, that I asked them to send verification. They replied its not their job to do that. Its been over 30 days.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (IA)

This week, my child who is XXXX received a debit/credit card in the mail. It claims " We received your name and address because you have previously been our customer. This card was not sent to you in response to an application. No credit report has been or will be obtained in connection with this prepaid card offer. '' It is from Brinks Money/Netspend and funded by XXXX XXXX XXXX  XXXX. It has a XXXX XXXX  account number and routing number associated with the card. I attempted to contact multiple numbers for Brinks Money and they are all automated with no way to contact a real person. I did reach out to XXXX XXXX and spoke with someone there and they said I would have to contact Brinks and I explained that I couldn't get ahold of anyone there. She asked if I expected a Child Tax Credit from the IRS and said it is possible this card came from the IRS. I don't know who to contact about my child receiving a debit card in the mail, some middle schoolers/teens would open the mail and activate the card and start using it without any parental consent. This company should NOT be sending prepaid debit cards to children under XXXX unless the parent has requested it, which I did not.
Consumer complaint received 2021-07-12
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. (FL)

I started disputing invalid information on my credit report on XX/XX/XXXX ; since that time, I have submitted a dispute again on XX/XX/XXXX, XX/XX/XXXX and again just on XX/XX/XXXX. Neither of these times so far, have ANY of the bureaus responded to my disputes to advise what steps their taking or that they're even taking any steps!
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 2021-07-10
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)

I have a mortgage that was in a moratory status as part of the CARES act around XXXX XXXX with a lender named XXXX XXXX XXXX XXXX. This mortgage continued with the moratory status until XX/XX/XXXX after filling multiple extensions. I resumed making normal payments in XX/XX/XXXX and I still making payments normal payments. 
XXXX XXXX XXXX XXXX was acquired by XXXX XXXX XXXX on XX/XX/XXXX. During and after the acquisition I still having problems that XXXX XXXX XXXX continues to report the mortgage status as paying late with 120+ days. I initially informed the bank on XX/XX/XXXX, about the situation which they acknowledge the problem and they told me the case was referred to Mortgage Administration to correct the problem. The issue continues, I decided to make a formal dispute with the credit bureaus to remove the information on my credit reports. Every time I submit a dispute the information is removed but the next month XXXX XXXX XXXX reports the incorrect information to the bureaus. I already emailed the bank and I attempted to call the bank many times and they continue giving me not valid reasons.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2021-07-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Unfortunately, I was a victim of fraud and identity theft and although I bank with Bank of America and have a Bank of America credit card, they were unable to provide me any assistance with the matter. 

For background, I am a mystery shopper working for a company called XXXX. I was a victim of fraud when someone posing as the mystery shopping company asked me to purchase 3 XXXX gift cards of a value of {$500.00} and have me send them the gift cards and rate my shopping experience as part of my duties. 

At first they made an {$1800.00} payment to my card which should have covered the gift cards and my reimbursement for the survey and experience report but that payment was canceled. Shortly therefore after, a payment of {$1500.00} was made to cover my expenses but that was canceled as well. I am now not only being charged for the gift cards which were part of the fraud but also for the two cancellation fees and late fees that incurred on my card. 

My bank has refused to do anything about the case even though I was a victim of identity theft and fell victim of a scam/fraud in which they stole the identity of the company I work for. Their website clearly states that they have a {$0.00} liability guarantee as long as fraud is reported promptly, which it was, yet they are telling me I am not covered. They need to resolve this matter immediately.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I am XXXX XXXX, and the author of this complaint. 

There is an Original Complaint with XXXX XXXX, and the ID is XXXX. That complaint was created because of missing data on this tradeline, and inaccurate data. 

This complaint is in regard to the same issues - except this time, I am including one of the CRA 's on this complaint - so I do not become its middle man. Each time I dispute has been lodged - both XXXX XXXX, and the CRA 's point their fingers at each other. 

XXXX XXXX  XXXX Original Creditor ) - I am relying on the rules that govern you, as a Data Furnisher, and acting on your own behalf as the Debt Collector on this account. 
https : //www.ecfr.gov/cgi-bin/text-idx? c=ecfr & SID=89d50ede6e4072bde4d4a944a89bd200 & rgn=div5 & view=text & node=16:1.0.1.6.77 & idno=16 # se16.1.660_13 In this dispute - the CRA, will be Equifax, and for EQ - I am wholly relying on FCRA. 

https : //www.ftc.gov/enforcement/statutes/fair-credit-reporting-act I am attaching screen shots of my Credit report and then from Equifaxs

2 sources, and as noted below.

My Equifax ( MyEQ in this complaint ) - and XXXX  ( XXXX  in this complaint ). 
https : //www.equifax.com/personal/education/credit/score/debt-to-credit-ratio/ - 1. The Account Number is NULL, or Blank on the raw credit report, XXXX from Equifax 2. This Account Name states that this account is CLOSED. 
3. This XXXX is then also reporting Available Credit and it can not /should not. 
4. As a result, this XXXX is then reporting, Debt to Credit Ratio, when it can not /should not. 
5. XXXX Reported BalanceXXXX = XXXX Percent you are erroneously calculating/reporting 6. The Pay History - remains incomplete/Rating is incomplete, but it was reporting previously. 
7. The Balance History is nonexistent. 
8. Please ensure the Balance History and Pay History is complete and then accurate on this tradeline leaving these values NULL/Blank, makes this inaccurate and incomplete 9. Of whats reporting, the start date for 30 days, are reporting differently in each report ran on the same date, and again From XXXX and then MyEQ 10. Only one can be accurate. Please see attached. 
11. The FCRA/DOFD can then not be accurate and based on the two - 30 marks, in Pay History. 
12. Please resolve the Pay History to be accurate, and to reflect the actual DOFD/FCRA Date 13. Then it remains impossible to be 120 days late in one month, and then 120 days late in the next please resolve 14. There is then a Credit Limit on this closed account, that I do not believe can be reported, additionally this is where you are erroneously calculating a Debt to Credit Ratio from. 
15. Because this account is charged off/closed, I do not believe there are applicable TERMS that can be reported 16. Creditor Classification is Unknown and should not be, please assign a valid value. 

While this Tradeline has been disputed previously - it lacks the Disputed tag - please ensure this is accurate.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to XXXX this account must be removed promptly. It's making me XXXX to see it on my credit report when it's not even my account. I strongly request the company to remove it quickly.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have tried to get this information fixed on my account because it doesn't belong on there and the company still keeps it on there. Please get this information off of my account now. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThis is all that they have on my report and if I hadn't looked I would have not known that my credit report is a stowing place for junk.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IN)

I have been monitoring my credit and scores. All the while trying to improve and get my score up for a home purchase. My loan officer pulled all of them and XXXX XXXX is showing a XXXX while Im seeing all XXXX scores. I want and should not have to pay for my true scores. They are mine! And I should not be getting false information about my scores! They should be a irate across the board. These are my credit scores!!!!! And if I obtain my 3 reports they better be what a mortgage lender sees, as this to me is a huge fraud case that I am looking into taking to legal counsel as well and a court, I am not playing any more as I have been trying to buy a new home and was not pre approved even though my scores show me a medium of XXXX. And to find out transition was a XXXX from what my lender has told me. This is unfair practice