davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

PER 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
they must give ME an opt out THEY NEVER DID XXXX XXXX XXXX COLLECTION/CHARGEOFF Other XXXX COLLECTION/CHARGEOFF Personal Loans {$3100.00} XXXX XXXX Other {$310.00} XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Company Name : Portfolio RC Is asking me to pay {$1100.00} Which is unfair because I only used {$500.00} I credit to make a purchase but the accumulated interest made the amount due now over double the amount used initially. Id like to fix this off my credit history so I can help recover my credit score
Consumer complaint received 2020-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XXXX, My creditor paid {$2600.00} as a balance transfer to Capital One that should not have been paid. On XXXX, I opened a credit card account with XXXX and made a balance transfer in the amount of {$2600.00} that was credited to Capital One. My Capital One account had a {$0.00} balance. XXXX charged me {$78.00}, in transfer fees. Capital One then credited {$2500.00} back to my credit card. They took {$39.00} for Interest charges. This was done fraudulent. I never made two transfers. Because of this, XXXX has charged me two transfer fees in the amount of {$150.00}. As well as, I asked Capital One to use the awards balance in the amount of {$31.00} that was on my account and credit it back to my account which may take 2-3 business days before it reflects into my account. Im an Identity theft victim and there was fraud involved on my account.
Consumer complaint received 2021-03-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (CA)

Paypal Account Limitation So I was notified on about first week of XXXX that my paypal account was limited and they requested for additional documents to verify that account belongs to me. I submitted their requested and waited. After few days, I got another notification that my account to limited permanently, they did not mentioned the reason why my account was put into limitation. So I called the customer service and explained the situation and asked why my account it put into limitation and i have submitted the documents they requested and still not solved. I also asked the reason why it was put into limitation and the customer service told that they can not disclosed the reason with me and i had to wait 180 days to access my funds if there is any and my account will permanently limited and i won't be able to use paypal anymore.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Because I submitted a complaint and keep requesting for XXXX XXXX & Experian to verify accurate account information. I am being targeted/retaliation for unauthorized disputes on good standing accounts to be removed. I still havent received any verified account information in the mail in which requested.
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (LA)

We came out of forbearance with Freedom Mortgage and signed a new loan agreement in XXXX of XXXX. In XXXX of XXXX I went to make my first payment and noticed that the payment amount was not what was signed in the contract. I reached out to the mortgage company and was told that it was just the system updating to make my payment that was in the contract and it would update in the system. I mailed in my payment for XXXX. XXXX XXXX of XXXX I went online to make my payment and noticed it showing I was behind a payment for XXXX and was still showing the incorrect amount of XXXX. I called and spoke to someone who stated they held my XXXX payment in suspense because we had an escrow shortage in XXXX of XXXX. When I explained to the lady that we just came out of forbearance in XXXX and that the shortage should have been figured into our new payment amount I was informed not to make a payment until I got a new statement with the corrected payment amount. I never heard back from them called again two weeks later and was transferred multiple times and finally was told we were right and our payments should be XXXX per our signed contract. They said they were escalating our loan to be fixed again never asked for a payment and still had one payment held in suspense. We get into XXXX and called multiple times that month and were told the same thing they were escalating our loan they back office was busy and that our payment amount should be fixed. At this point we couldnt make payments over the system because it was showing we were delinquent for two months while they held a payment. In XXXX we got a letter stating they could take our home if we didnt pay XXXX dollars by XXXX. When we have been calling and trying to get this figured out since XXXX. Its now been reported on our credit, we have two payments sitting in suspense and still have not gotten our payments fixed in the system to the right amount. We called the second to last week in XXXX and asked for our phone records for all phone conversations the month of XXXX be pulled to prove we have been calling and were told not to make a payment until they updated our payment amounts. We have still not heard anything yet.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

Multiple letters have been sent out to Experian Credit Bureau. 
Both entities have failed to respond and provide validating information in regards to the collections that are being incorrectly reported as well as inaccurate. I have already clarified my intent to pursue both this complaint and legal action towards the following accounts which were brought to the bureau 's attention : Experian Credit Bureau XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-31
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: Experian Information Solutions Inc. (NY)

in accordance with the Fair Credit Reporting act XXXX  Account Name XXXX XXXX XXXX and Account number 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
Consumer complaint received 2023-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

THIS COLLOTOR IS KEEP REPEATING SAME COLLETION OVER AGAIN. 
WE DISPUTED IT BEFORE AND TAKEN AWAY. WEHT TO THE STORE LOCATION AND CLEARED ALL PAYMENT, WE NEED YOUR HELP TO COMPLETELY REMOVED
Consumer complaint received 2018-10-04
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. (TX)

Equifax is KILLING my credit profile and I continue to have to submit these complaints. They just dinged my credit score for 18 points for a payment account being closed that was closed 3 months ago!!!! My XXXX account has been PIF since XX/XX/2018 why are they just now reporting that??? I need some help with this company cause I cant call them and get help please someone! My Constant issue with them is their delayed credit reporting and yet here we are again, I am trying to buy a home and dont need this mishaps right now.
Consumer complaint received 2021-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OK)

3 days ago, I received a notice from a debt collector, Convergent Outsourcing , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , WA XXXX. 
The creditor is : XXXX XXXX - Client Account # :XXXX - Convergent Account # XXXX. 
The notice states that I owe XXXX XXXX {$850.00}. I had NEVER heard of XXXX XXXX before I received this notice, nor have I EVER done business with them. 
I called Convergent who told me to call XXXX, which I did. I called XXXX Customer Service, XXXX, who told me to call the Fraud Dept. 
I tried to call XXXX Fraud Dept. ( 2 different times, 2 different phone # 's, XXXX and XXXX, that were provided ). I was on hold for 2 hours one day, 1 hour the second. A person never came on the phone. 
I called Convergent. They are putting this into a Fraud File. 
Yesterday, XX/XX/17, I called XXXX Customer Center. They had no record of my SS #, and asked me to bring the letter to the branch. I've lived in Oklahoma 20+ years. There are no XXXX XXXX here. She then hung up on me. 
This bank is very poorly run, and is NO, absolutely NO customer service. They need to be investigated. They, out of blue, declare that a person owes " X '' amount of dollars, yet refuse to speak to the person they are attempting to fraud. 
I would appreciate it if you would look into this for me.
Consumer complaint received 2020-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NC)

Collection opened on XX/XX/2020 from XXXX  XXXX XXXX / XXXX. Debt is attempted to be collected by Sunrise Credit Service. This is a violation of the Fair Debt Collection practices act. As this debt was never validated nor was I properly and legally made aware of this debt prior to it being attached to my credit report within the statutes in the fair debt collection practices act. This debt does not belong to me and I wish to have it validated, upon resolution, removed from my credit report immediately.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ability Recovery Services, LLC (MO)

I settled my account with XXXX XXXX and it was supposed to be removed from my credit reports per my request and agreement when I made my settlement payment but on all of my credit bureaus it is sill showing a {$0.00} balance and has not been removed. 

Ability recovery account should not be in collections. The school was not supposed to send due to making payments to XXXX University as agreed upon with the student financial services department.
Consumer complaint received 2022-12-31
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. (KS)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I settled my account with Portfolio Recovery and it was supposed to be removed from my credit reports per my request and agreement when I made my settlement payment but on all of my credit bureaus it is sill showing a {$0.00} balance and has not been removed. 

XXXX XXXX account should not be in collections. The school was not supposed to send due to making payments to XXXX University as agreed upon with the student financial services department.
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (NY)

My name is XXXX 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.
Consumer complaint received 2023-12-29
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. (WI)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (AL)

I returned my equipment to XXXX XXXX 5 months ago when I closed my account ; I spoke with XXXX XXXX XXXX to whom Sunrise XXXX Services states the debt is owed, Charter Spectrum Communication stated they have no knowledge of this debt, and I do not owe them anything, my account is XXXX balance.
Consumer complaint received 2022-12-31
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

Experion has two accounts for XXXX XXXX as paid - I paid and another as not paid. It is corrected with other files. Another is XXXX closed charged off And XXXX XXXX collection for identical debt.
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (NC)

please delete these company off of my credit profit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( IDENTITYTHEFT, GOV ) FTC Report Number : XXXX
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

please delete these company off of my credit profit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( IDENTITYTHEFT, GOV ) FTC Report Number : XXXX
Consumer complaint received 2020-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

Im in the process of trying to buy a house and when my morgage guy went running my report to get me a preapproval he came across an acount which has been placed in collections with the original creditor claiming to be XXXX XXXX and the collection company being Convergent Outsourcing Inc stating I have an account opened on XX/XX/2019 with a balance due of {$1100.00} I tried to call this company at XXXX XXXX XXXX XXXX and they cant twll me anything without an account number which I dont have. I have a slight problem with this issue since I dont owe any money to XXXX and never have I actually had to fight an issue like this a few years ago between XXXX and the XXXX to which it was deleted by XXXX but now I see they must have done something with my info for they are at the middle of this issue being the one who was the original creditor not juat this time but thw last time also so unless you can give me verifiable proof to thia debt pleaae make thwm delete this it has not damaged my report twice and this time could have ruined my chance at buying a home