davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
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: NAVY FEDERAL CREDIT UNION (GA)

XXXX XXXX XXXX {$40.00} ( XXXX My social security number has been compromised and is being used as collateral by XXXX XXXX XXXX and XXXX XXXX XXXX please help me by deleting this negative item off my credit in accordance with FCRA 15 U.S.C 1681 Section 602 A states I have the right to privacy and if breached I have the right to have all negative items removed
Consumer complaint received 2020-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IA)

PURCHASE A ITEM FROM A SELLER USING PAYPAL AND HAVE NOT RECEIVED IT HAVE FILE WITH PAYPAL TO GET MY MONEY BACK AND HAVE NO RESPONDS FROM THEM TO REFUND MY MONEY. YOU TRY TO CONTACT THEM ON THE PHONE AND GET TOLD TO GO TO THEIR WEBSITE TO DO THINGS AND WHEN YOU GO TOTHEIR WEBSITE TO RESPOND TO THE ACTIONS THEIR WEBSITE TELLS YOU THEIR IS A PROBLEM ON THEIR AND YOUR RESPONDS IS NOT TAKEN.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-03-04
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. (IN)

This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. 
Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false acc
Consumer complaint received 2023-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

ics systems has placed a collection for {$1700.00} on my credit report of a XXXX XXXX account which is the result of ID theft. XXXX has stated several times that they have no knowledge of the account.I have provided copies of the police report as well.
Consumer complaint received 2023-06-05
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fidelity National Financial, Inc (NM)

Service link posed as a company helping us to refinance our home and to avoid foreclosure and we spent appraisal inspections and repairs exceeding XXXX in our home to close. We feel this was done in deceit and to help a debt collector clean up, maintain the house we own so that they can sell our home to pay for a loan of third parties that were not in title at the time they took a heloc and 2 new loans in XXXX, XXXX and XXXX. We also paid XXXX cash to the bank to payoff or at least reduce the house mortgage as per our real estate contract that paid the countrywide loan ( failed bank ) to buy. We have title insurance so the prior sellers, XXXX XXXX and XXXX XXXX are not in title after XXXX and we were told by HUD counselor that those loans do not attach to the house and they maybe collecting against FDCPA and violating the statute of frauds. We complained to the authorities against XXXX XXXX because he emailed us saying that if we do not come into an agreement with him, he will foreclose our personal residence. We were directed by XXXX XXXX to work with XXXX XXXX and his service link to refinance or do loss mitigation but they lied to us. They said " they are tryihg to clear title ''. We did not understand so we talked to an attorney, and he said that the title is in the name of me and my mother and that unless the bank has title insurance, which they should have contact, anyway, the loans are not valid because were obtained by a person who was not in an equity position and the only title insurance we have is the one in XXXX. The bank has not presented any other mortgage policy they obtained as lien holders since XXXX and not even a mortgage statement or dates of discharge of the multiple loans. The customer service gave us a " Printout '' and another later which has a payment one payment after 10 years that " applies to XX/XX/XXXX " which is weird because if you pay a mortgagae it applies to the last missed payment, only lines of credit work that way. 
The service link cheated us and acted as a loss mitigator for refinance and what they are is a group with XXXX and XXXX, aka XXXX XXXX to economically abuse my mom further to lead her to repair the home, do their appraisal and their isnpections and cost mom another XXXX and to me too. Aside from that the bank has moms ' XXXX cash that she paid from XXXX to XXXX that was not applied correctly Looks like the bank is giving money to a person not in title and now they want to collect from someone else that is not a sophisticated person and is XXXX and XXXX  and non represented. 
I believe SErvicelink is their accomplice.
Consumer complaint received 2023-06-04
Product: Credit card or prepaid card — Store credit 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: Resurgent Capital Services L.P. (VA)

Please see My attached With Prejudice as a Memorandum for the Record dated XX/XX/2023, including supporting evidence, involving third-party debt collector ( XXXX ) or buyers operating unscrupulously to advance a fraudulent and frivolous debt collection action.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

on XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my consumer report. to this day over 45 days later I have not received a response as of yet. I feel like my disputes are being ignored and im being taken advantage of. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my consumer report it has been 45 days so they should be deleted promptly. I demand this account be deleted 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 2023-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management (SC)

I rented a shed from XXXX XXXX XXXX XXXX we decided to sell our house so there was no more need for the shed. We called the company paid over {$1000.00} to get the account paid up and scheduled a pick up for the shed. Then they waited months to actually pick up the shed, but kept on charging us monthly payments after they said the bill we paid would be all that was needed then sent us to the collectors at the FOX COLLECTION CENTER XXXX XXXX XXXX XXXX, TN XXXX which we now owe {$860.00}
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (GA)

This is my XXXX  complaint with Huntington Bank in a week and a bit frustrated. I used to bank with HB in XXXX  prior to relocating to XXXX  and worked most of last year between the XXXX and foreign countries in my role at a multi-national. I've not had the chance to fund a local bank, but my wife has. 
I had to deposit a check for more than XXXX which tha app could not support. I had no option but to book a flight to XXXX  solely for the purpose of making the deposit in a branch. The trip cost in excess of {$500.00}. Only after making this trip was I advised I could have mailed the check in. 
The funds were made available the next day ( after I was advised at branch there was no hold ) and my app showing the funds available. I subsequently made online payments from the account only to be see my account on hold today. I called customer service and was advised the hold was put in place by corporate at XXXX yesterday ( after funds had been posted as seen from my screenshots at XXXX ). This leads me to believe that the hold was placed after I advised the customer advocacy rep ( XXXX XXXX ) I would consider a different local bank which is only prudent as traveling each time to make a significant deposit is not sustainable. This was a certified fund and they should know if it was returned by now ( in this day and age of clearing houses ).
Consumer complaint received 2023-03-04
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items in my file that are misleading and must be removed or blocked for their erroneous status. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 


Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SLASH XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$330.00} XXXX CNS XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-04
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts for proper and clear reporting in my file that prevents from degrading my score. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$7.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Balance : {$360.00} XXXX  XXXX Balance XXXX {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$250.00}
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: EQUIFAX, INC. (NY)

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 USC 1681. 

Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 2023-03-04
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. (SC)

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe to XXXX XXXX XXXX Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (CA)

On my XXXX and XXXX credit reports I have had 4 hard inquiries from two different companies. Both companies inquired on XX/XX/XXXX  and again on XX/XX/ these were not requested by myself. The listed phone number for FEBDESTINY has been disconnected, and the number for CB INDIGO only asks that i input my SSN # The hard inquiries were from the following companies/individuals. 

FEBDESTINY Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Inquiry Type Individual CB INDIGO Location XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Please let me know what the next step is or the outcome because these have been substantially lowering my credit. Thank you
Consumer complaint received 2023-03-14
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXXBalance : {$22000.00} - You are reporting inaccurate information as the past due balance is wrong. Updates or rather delete this erroneous account. 

XXXX XXXX XXXX Balance : {$510.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5300.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.
Consumer complaint received 2023-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights. 
15 U.S.C 1681 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hello my name is XXXX XXXX. Last year I received a letter from a collection agency named XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, New Jersey XXXX telephone ( XXXX ) XXXX about a delinquent credit card account I had. This agency made me an offer to settle the matter at a 40 % reduction of the original debt. I did so and paid them in full now a year later they are trying to charge me again for an account I have already paid off saying that I still owe {$880.00} and it is on my credit report. This agency is just taking peoples money and not reporting it as paid off to the credit unions.
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

I have been utilizing both my Verizon credit card and Verizon phone line for years. One of the key benefits of having a Verizon credit card, as advertised, is the seamless transfer of rewards to my Verizon phone line account, allowing me to enjoy additional perks and savings on my telecommunications serivces. However, I have recently noticed that the rewards earned through my Verizon credit card have not been transfering over to my Verizon phone line account as expected. I have {$160.00} in Verizon Dollars available but for some reason my Verizon credit card and Verizon phone line account are not communication with each other. I already made numerous attemps to talk to the Credit card side and Verizon call center. Everytime I call the Verizon call center I get hang ups and same with Commenity bank verizon credit card. I need help, this may not seem like a lot of money to some but with inflation now days, my rewards will really help me.
Consumer complaint received 2023-03-20
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. (TX)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my credit report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of Verification-Description of reinvestigation procedure.
Consumer complaint received 2022-08-31
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: Experian Information Solutions Inc. (GA)

During the pandemic in 2020 my entire household was hit with Covid 19 and me and my spouse was completely out of work we was very sick so I reached out to a public agency who assisted with rental payments to help me with rental payments because I had fallen behind and I had to come off of my job because I was so sick and to help take care of other household members who was also sick the agency agreed to pay 4 months of rent including what I had fallen behind of the leasing office claims they never received a payment in which the case rep who was helping me at the time sent all receipts and letters for proof in which I have attached copies of.
Consumer complaint received 2023-05-29
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. (MD)

XXXX XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act, has violated my rights. 15 U.S. C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have through investigated and made normours efforts to handle this situation,