davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
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. (MI)

I sent my letters of in XXXX XXXX my Tracking numbers are for Experian XXXX, XXXX XXXX XXXX and XXXX Told the credit bureaus to " investigate every piece of information and I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant, or else wise compliant to every single one even each any and all of the regulations, applicable laws, and or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one all require immediate deletion or REMOVAL FROM REPORTING otherwise. I DEMAND rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 
They Stated my account has been verified but how is that possible if they did not do a proper investigation according to law. Also every piece of information on these accounts are still not reporting reporting 100 % Accurate. According to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 
list of Accounts see the attachments of accounts than need to be deleted
Consumer complaint received 2021-06-14
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: Experian Information Solutions Inc. (CA)

I been filing this dispute for about the 3rd time I have not have had any luck with removing the items and its causing me a great deal of stress. ive provided proof and there hasn't been resolved please help me fix this issue so I can try to get a home.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is the medical company stating I owe them but they closed during the pandemic. There was no phone number, email, social media account or way to contact them. I was on a payment plan and could not get an updated bill. I have reported them with the XXXX ( if you look you can see so have many other people ) and event at the state level in XXXX where it was located. XX/XX/XXXX XXXX XXXX XXXX XXXX sent me a collection bill. Within days I sent a dispute letter certified mail. I then saw on my credit report had a collection listed for Transunion from XX/XX/XXXX. So they had reported me to the credit bureau before validating the debt within but it is under a different company called XXXX XXXX XXXX XXXX which I have not received communication from before. XXXX did not respond within XXXX days to my letter. XXXX just now ( XX/XX/XXXX ) sent me the first correspondence not addressing my letter but a bill statement amount different than the credit reporting amount.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

It's been months already that I'm disputing these inaccurate items on my account. And up to this date, I hadn't received any replies from the bureaus and the creditor itself. I already filed a dispute on XX/XX/2021, concerning several accounts that reported false information. And on XXXX XXXX XXXX, I filed a dispute again, but no response came from them, and they refused to remove these inaccuracy items from my credit report. These inaccurate items collect these amounts from me {$670.00}, {$6900.00}, {$0.00}XXXX {$81.00}, {$2700.00} which is incorrect.
Consumer complaint received 2022-07-07
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. (FL)

I am denied every time I ask for a loan or credit card increase. I received a few letters that explained why and yesterday, I received one that mentioned " key factors that adversely affected your credit score. '' - SSN LIKELY INVALID - LACK OF HISTORY AT THIS ADDRESS - LACK OF HISTORY AT THIS PHONE - INQUIRIES DID ADVERSELY IMPACT SCORE with XXXX. 

Today I received another one that gave me a credit score of XXXX with TransUnion. 
This is impossible and shocking. 

I called each reporting agency, and nobody could help me, as always. When the subject of the call is about your three-digit score number, we always receive the same answer from all credit bureaus ; " I don't know why sir, because it's an algorithm, so we do not have a control over your credit score '' or " I have no access your credit score, you need to pay {$990.00} to have it. ''
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XX/XX//2022 I sent Capital one a cease and desist letter along with a billing error dispute. After receiving my letter they cancel my card and refuse my payment. They also reported my account to all three credit reporting agency.
Consumer complaint received 2022-07-06
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 XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-07
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. (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have 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 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT CONCEPTS, INC. (NV)

Paid of my car last year and it continues to show on my report as active no missed payments. 

wages where garnished and payed off 2 years ago account is also showing up when credit is being pulled. 


XXXX XXXX account was settled and it continues to show on my report '
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XX/XX/2021
Consumer complaint received 2022-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (MD)

On or about XX/XX/XXXX, I sent a debt verification letter to Wakefield & Associates via Certified mail in which someone signed and acknowledged it on XX/XX/XXXX. It has been more than 30 days and I have not received and correspondence regarding this debt.
Consumer complaint received 2021-06-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (RI)

My name is XXXX XXXX. 

I am a PayPal user.

I have an account with PayPal with amount {$10000.00} which PayPal froze from me and promised to give it back to me within 180 days. 

At exactly 180 days, I got email that my password, security questions and phones numbers have been changed and authenticator being added to my PayPal account.

I tried to log into my PayPal account but I couldn't and I called PayPal but no one responded as they used covid as an excuse. 

I also got email that a card ending in XXXX has been added to my PayPal account.

The hacker withdrew my funds to this Prepaid card which isn't owned by me. 


On XXXX I spoke with PayPal customer service for the first time and reported the incident including the withdrawal and changes made to my PayPal account and the card which isn't owned by me in which the funds were withdrawn to. The PayPal customer Service opened a case for me with case ID : XXXX and the PayPal customer agent assured me that if Unauthorized use is found during the investigation, PayPal would refund me the full {$10000.00} and said I should keep checking my email for update.

Few days later I got an email that PayPal found Unauthorized Account Access and said case has been protected by PayPal.

I waited for the refund which PayPal promised but I didn't see up till now.

So I called PayPal agent again and a different person picked and said yes Unauthorized use was found and said the first agent I spoke with forgot to include the reported transactions the first case which I won which PayPal said they noticed Unauthorized Account Access. 

The second PayPal agent said she will now open a new case with the mentioned transactions in a new case ID : XXXX. 

After few days PayPal said no unauthorized access was found and refused to refund me my funds which were taken away by the hacker.

Evidences are there in the first case of all the changes made to my PayPal account and how my funds was removed.

I want PayPal to use the first case ID : XXXX which they found Unauthorized Account Access and judge the case to include the reported transactions in the second case ID : XXXX so my funds can be refunded to me as I won the first case
Consumer complaint received 2021-06-14
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. (MI)

XX/XX/2021 I sent in information on a credit card, inquiries, and charge off on my credit report that is not correct and fraudulent. I gave them all the information and the charges are still there. 
Transunion, XXXX  never responded to my complaint. XXXX  added 2 more inquiries to my credit report. Those are not my debts from XXXX and XXXX XXXX. As well as late payments showing on my account.
Consumer complaint received 2022-09-26
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. (LA)

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 2022-07-06
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)

Hello my name is XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2022-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC (CO)

CREDIT SERVICE COMPANY , INC XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX XXXX XXXX XXXX claims I owe a debt, I have requested a copy of my signed contract and the time and date of when this occurred, I also have asked for any and all documentation pertaining to this agreement, and when this person communicated with me regarding my debt owed? I did not talk or sign any contracts with this person and I have a right to my signed documents, this company collecting a debt has no right to any medical records if that is what this is regarding because of HIPPA. I called XXXX XXXX several times requesting proof. I still have not received proof from 2018
Consumer complaint received 2022-07-07
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: CITIBANK, N.A. (MD)

In accordance with the fair credit reporting act XXXX 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 and consumer credit plan as late for and purpose
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (MO)

I noticed this account from Enhanced Recovery on my credit report and the original creditor is XXXX XXXX  for the amount of {$280.00} that they say it was opened on XX/XX/XXXX like it's a new account. This same account and creditor was disputed twice with two prior collection companies XXXX XXXX XXXX sent a removal letter datedXX/XX/XXXX which they removed from my credit reports and the other company XXXX  sent me a collection noticeXX/XX/XXXX and the dates did not add up so XXXX removed the account off of my credit report. Now Enhanced Recovery has purchased this account and added it to my credit report like it's a new debt which is not legal because one it has been discharged in my bankruptcy and I no longer owe anything on this account and it's not a new account. This is affecting my credit and I would like Enhanced Recovery to remove this off my credit report with all three credit bureaus
Consumer complaint received 2022-09-26
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SIMMONS FIRST NATIONAL CORPORATION (OK)

We have been trying to sell off assets of our deceased grandmothers estate, to which we are the executors. Simmons bank required us to spend money and submit documentation outside of the scope of what was appropriate or legally required by law. They refused to do business with us unless we provided and paid for a new title ( as is not required by law ( ( according to our attorney and a slew of tag agencies. ) They were incompetent- did not return phone calls, and essentially held our vehicle hostage until we provided them documentation. 

Is there anything we can do to complain about the incompetence?
Consumer complaint received 2019-08-01
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. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30days. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2024-04-01
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

This Home Depot credit card has four promotional balances on it, but they refused to allow me to pay them! I could not pay them online. I was told I had to talk to a representative. After 30 minutes on hold and asking for a supervisor THREE times, they still seem unable to let me pay my debts without being able to charge me the interest!!! TOTALLY SHADY BUSINESS PRACTICES. 

I just got off the phone with the the " final '' supervisor, XXXX XXXX, who stated that my account balances, including the promo balances are being paid today, but I am concerned that I am just being told that because they said the balances wouldn't show as PAID for SEVEN DAYS!! SHADY.
Consumer complaint received 2021-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I requested to have PMI removed from my mortgage with Bank of America in XXXX. The bank agreed to my request to cancel PMI in XXXX. The problem is they have yet to adjust my mortgage payment and are still collecting the additional $ XXXXmonth and then returning that payment to me three weeks later. I've made numerous calls ( 5+ ) to correct this error only to be told my payment won't be adjusted until XXXX.
Consumer complaint received 2021-06-14
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: National Credit Systems,Inc. (NC)

My husband and I moved out of an apartment and we were sent a final statement that said we had a balance of {$0.00} and the statement was not in my name. Creditor has repeatedly provided the same statement saying that I have to ignore the balance due and understand that I owe a debt of {$8300.00} and that the billing statement doesnt have to be in my name.
Consumer complaint received 2019-08-01
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. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30days. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX