davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-08
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. (GA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX and I'm including it again.

DEPT OF EDXXXX XXXX Balance : {$3600.00} ; DEPT OF EDXXXX XXXX Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX XXXX : {$3700.00} ; DEPT OF ED/XXXX XXXX Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX Balance : {$690.00} XXXX DEPT OF ED/XXXX XXXX Balance : {$1800.00} ; DEPT OF ED/XXXX XXXX Balance : {$3200.00} ; DEPT OF ED/XXXX XXXX Balance : {$2600.00} ; DEPT OF ED/XXXX XXXX Balance XXXX {$1800.00} ; DEPT OF ED/XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX : -
Consumer complaint received 2021-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WA)

Hello PayPal closed my account for no reason. I have done nothing wrong and have tried countless tones to talk with paypal about this issue. Ive received no help only copy paste responses. I have funds on my account that they are withholding without any good cause. As I again have done nothing wrong. The email associated with my paypal account is XXXX. My name is XXXX XXXX.
Consumer complaint received 2022-10-31
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. (TN)

I went to the dentist for a cleaning. They said I needed their version of XXXXXXXX, for straightening my teeth. It felt like a over sale right from the start. My insurance did not cover it, so they had me to fill out some forms. I did not receive any treatment. We were going to revisit it on my next appointment. I never went to said appointment. Called and stated I did not feel comfortable with the scenario and I did not want to proceed. I never authorized any charges. Now it is showing up on my credit report and I am getting harassed by debt collectors.
Consumer complaint received 2020-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I, XXXX XXXX, have been having issues with someone using my identity to open accounts since XX/XX/2012. I have seen several accounts and inquiries show up on my credit reports that I am no responsible for. I am not sure of who may have obtained my information. I would like to have all fraudulent accounts and inquiries removed. The information of this activity has already been reported to the credit bureaus. I have also filed a police report for this incident.
Consumer complaint received 2020-09-29
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. (CA)

CREDIT AGENCY IS REPORTING CHILD SUPPORT WHEN THE COUNTY DOES NOT REPORT TO AGENCIES DIRECTLY WHICH VIOLATES MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2020-06-08
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. (GA)

Experian has been requested to verify incorrect account information reported by the XXXX XXXX XXXX/USDA. They have continued to report this account after a number of requests for the verification documentation and I am yet to receive this information. I have requested this documentation several times and they continue to report this account as verified but no verification documentation has been provided. I have also contacted the XXXX XXXX XXXX/USDA via email and phone and have not received a response in a number of attempts to get a detail of the amounts of refunds that have applied to the balance and to obtain a current detail of the account balance. This has been ongoing for a number of years and I have been subject ot offset since XXXX and have not once received any document to show how the funds were being applied. I have no idea of what is in fact owed on this account. Experian claims to have verifed the account but has not shared with whom they verified or provided a copy of the documentation. I submitted the most recent request on XX/XX/XXXX and as of XX/XX/XXXX, there is still no response.
Consumer complaint received 2023-05-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Post Lake Lending Inc. (FL)

I applied for a loan on XX/XX/2023. After applying online, I was receiving calls back to back from this company. Finally answered and spoke with them. We went through the whole process of the loan application and once we got to the part of the installments, I informed I would think about it and didn't want to do it right now since the interest rate was so high. In fact it was 777 %. They said I was prequalified for {$870.00} but with interest, the pay back would be over {$5000.00}. Installment plan was for 24 months of a payment of {$240.00} every XXXX weeks. After going over that, I informed I would think about it and didn't want to follow through yet. He informed he would follow up with me in a week. Next morning I got an email saying my application was approved. I called them immediately and informed I wanted this application cancelled as I did inform the last person prior, I didn't want to go through with it and I would think about it. I verbally stated I did not want anything debited from my account. When I called them to cancel the loan application I was transferred to XXXX different people. I was talked over the entire time about different payment options. I kept insisting I DID NOT want the loan and to cancel the application. Once I was transferred to the " higher '' department I was then disconnected. I didn't have time to call them back as I already wasted my lunch time and had to get back to work. An hour later, the funds were in my account. Called them back and was informed there was nothing they can do since the funds were released to my account. I was then disconnected again!!!! This loan was a forced loan after VERBALLY informing them over and over and over I did not want it and to cancel it.
Consumer complaint received 2024-03-10
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)

After checking my credit report i noticed these credit agencies and this company are in violation of my law and my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

had a account with XXXX XXXX  and they had a program with wells fargo and XXXX XXXX dropped the program and for some reason that program closed which i still paying on with wells fargo it have but a big effect on my credit report cause it closed and now it looking like im not even paying on it
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/2022 I logged into the Chase Ultimate Rewards portal and saw an offer for a 30 % bonus to transfer points to XXXX XXXX XXXX, advertised as follows : 30 % Bonus Points Limited Time Offer! 
Get your Bonus XXXX Points today Limited time offer : Get 30 % Bonus XXXX Points when you transfer points through XXXX XXXX  on XX/XX/2022. 

Upon completing my transaction to transfer XXXX points, I noticed I did not receive the 30 % bonus. I then contacted Chase Support and found out the offer does not BEGIN until XX/XX/2022 at XXXX XXXX  and thats why I did not get the bonus. This is clearly FALSE ADVERTISING.
Consumer complaint received 2020-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2023-02-24
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. (TX)

I am filing a complaint because the debt from XXXX XXXX XXXX XXXX ( Account # XXXX ) does not belong to me. I signed the lease with the original creditor, The XXXX at XXXX XXXX, due to me being XXXX at the time. However, I did not provide them with any financial statements ( bank statements, pay stubs etc. ) to hold any accountability for payment. The financial statement attached does not even include my name and it is signed by the apartment manager. This is terribly ruining my changes of finding housing and I was like this is to be investigated. If no financial records show that I am financially responsible for this debt, I would like it to be removed asap.
Consumer complaint received 2020-09-29
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. (CA)

Experian periodically ( on average, every two months ) lowers my credit score without providing any qualitative details as to why it was lowered and no means of disputing the change of score. This credit reporting business lowers my score, provides no actionable reasons why it was lowered, and then offers general information how to raise one 's credit score and also provides " products '' that can purportedly help an individual raise the score. This company needs to provide qualitative evidence why the company found the need to lower an individual 's score and then provide channels for that individual to reinstate a previous score when no irresponsible action to lower a score was committed. I have not altered my financial behaviors one iota since Experian last sent me a credit score change notice. The company seems to be arbitrarily lowering my score when they see fit. It is exasperating to be punished for no apparent reason. This company owns the score, makes the rules for maintaining a score, and hides behind call center representatives whose job it is to sell product so the executives and management don't have to answer to their harmful policies and practices.
Consumer complaint received 2020-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (NY)

I received a copy of my credit report and noticed that I had a collection account that does not belong to me. This account is not valid and should be removed from my credit report. I have disputed this account with the collection agency in XX/XX/2020 and they have not validated the account. This account is with EOS CCA in the amount of {$990.00}. I need to have this removed from my credit immediately.
Consumer complaint received 2020-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

On XX/XX/2020 my home had roof damage from a severe thunderstorm. I immediately contacted my homeowners insurance to file a claim. I had 3 roofers give me estimates for the damage and I submitted a bid from the roofer I choose. My insurance approved the estimate of {$9700.00} minus the {$1000.00} deductible. On XX/XX/2020 I received a partial payment check for approximately {$5900.00} and the insurance company said the balance would be paid upon completion of the roof. The check was written to me and my mortgage company. I contacted my mortgage company and was told via phone to mail my check to them and they would endorse it and return the check to me. Over 2 weeks later they mailed back the check ( not endorsed ) and stated I and the contractor had to submit 14 pages of forms, I had to endorse the check and sent all the information back to them. I submitted all the required forms and returned the insurance check which I endorsed and the mortgage company received the package on XX/XX/2020. I called the mortgage company every other day and spoke to 4 CSRs 2 supervisors to get them to send a check to pay the roofing contractor. I have finally received a check of {$2800.00} on XX/XX/2020. Now I have to go through another lengthy process for them to release more funds. I am living with tarps protecting my home and we have had several severe storms including a tropical storm and fear additional damage to my homes interior. In addition my roofer is understandingly not happy since we have had to postpone repairs due to my mortgage company 's delays.
Consumer complaint received 2021-02-06
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
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: EQUIFAX, 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. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-11-08
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 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX SC XXXX ; Medical XXXX Balance : {$35.00} ; Medical XXXX Balance : {$33.00} ; Medical XXXX Balance : {$35.00}.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

To Whom It May Concern : You are reporting inaccurate and/or incomplete information concerning me in consumer reports. 
Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following tradeline ( s ) you are reporting concerning me is/are inaccurate and/or incomplete :
Consumer complaint received 2022-11-08
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: College Ave Student Loan Servicing, LLC (UT)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX XXXX XXXX XXXX Credit Report went down by XXXX points
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I had a credit card through XXXX XXXX with a {$92.00} balance that was paid in XX/XX/XXXX through an escrow payment when we were closing on the purchase of our new home. In order to avoid late fees, I also paid the balance through the XXXX app understanding there would be a {$92.00} credit that would be reimbursed to me because the account was closed. I had not used the card in years and the {$92.00} charge was the yearly renewal fee for the card. My statements showed a {$92.00} credit in XX/XX/XXXX and XX/XX/XXXX. I received a {$92.00} check from them in XXXX and understood that completely closed my account because the balance was now at {$0.00}. 

In XX/XX/XXXX I received notice that I had a derogatory mark on my credit from and saw that it was from XXXX. After calling them, they stated that there was a {$92.00} balance from XXXX and could not answer any questions as to how that was possible. To avoid further damage to my credit, I pad the erroneous late fees totaling {$160.00}. 

Attached are the pictures of the statements that I received - there is a statement in XXXX and XXXX showing a {$92.00} credit to my account and {$0.00} available credit because the account was closed. In XXXX the statement showed a {$92.00} balance. I never used the card and it is impossible to go from a {$92.00} credit to a {$92.00} balance with {$0.00} available credit. 

I made a request to XXXX in XX/XX/XXXX that the derogatory marks be removed from my credit given that the charges they were charging me a late fee for were not ever actually charges made and that my account should have had a XXXX  balance after the received 2 payments for {$92.00} and refunded me one of them. They rejected my request with no supporting information. 

I also made the request to Experian and XXXX and they also denied my request. 

I do not even want the money back that I paid to XXXX for the erroneous late fees, I simply want my near perfect credit restored.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have been disputing these late remarks with the bureaus and they are ignoring me. I am wondering if the letters I sent to them are being received or just ignored. I have been asking for proof about the late remarks in my reports. Please help me get them out.
Consumer complaint received 2022-11-07
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: DISCOVER BANK (MA)

On XX/XX/XXXX, my credit card got stolen and there was a charge of XXXX. I put my card on pause as soon as possible and as it was the weekend, I waited until the next weekday ( XX/XX/XXXX ) to call the fraud team. They saw a secondary charge of XXXX dollars at a bar somewhere else that I'm not even old enough to enter and got denied ( because it was on pause ). They said they would look into it and then denied it after 3 months?