davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Report says I owe a {$13000.00} debt of which I paid about {$12000.00} of 27 days ago. 

It still says I owe {$13000.00} and I am trying to get an apartment. This is an issue. I only owe about {$980.00} now and so this is inaccurate. 

Ive already filed a dispute as well. No help there.
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

On XX/XX/2022 I paid a balance to Portfolio Recovery Services to settle the account. 
The agency offered me a 20 % savings to pay the account and agreed to delete it from all three credit bureaus. 
I paid the {$360.00} and the company is now reporting the remainder as a debt and will not delete the account as stated in the agreement. I have attached proof of their offer. I am asking fpr the company to honor their offer as I was under the impression paying the reduced rate would clear the account from my credit reports.
Consumer complaint received 2023-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paypal Holdings, Inc (NY)

What happened is Ive been accused of someone saying I stole XXXX dollars from them, claiming they never got a bike helmet when I have no idea what that person is talking about, I was sending and receiving money from a associate from XXXX and that person send XXXX I send my associate the amount he splits and stuff like that and then few months ago I get reported for XXXX dollars when I didnt do nothing and I issued a refund to that person and nothing happens after this is not my debt bc I dont have that money
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

NOTICE OF IDENTITY THEFT / OPPORTUNITY TO CURE TO WHO IT MAY CONCERN. 
My name is XXXX XXXX and I will like to put you on a notice of identity theft. 
I am disputing an alleged fraud transaction and alert on my account number with information below Bank Routing # : XXXX Account # : XXXX Account Type : Primary signer Incident Date : XX/XX/2020 Principal Loss : Fee Reversal : Combined Loss & Fee Reversal : Paid/UnPaid/Settled : Paid Debt Paid in Full Date : XX/XX/2020 Contribution Reason : Checking Account Fraud which was closed due to an alleged fraudulent activity. 
This was an identity theft which I did not participate in. 
An amount of XXXX was deducted from my other Bank of America account number XXXX on XX/XX/2020 without my approval which is illegal. 
I would like to say I was a victim of identity theft and I will like all money deducted from my account be refunded to me and any identity theft on my early warning services and XXXX XXXX should be removed immediately. 
Find attached an FTC identity theft report, XXXX XXXX AND XXXX XXXX XXXX REPORT as proof I give you XXXX working days to resolve this issue as this account status is defaming my character and I have lost a lot of business relationship and ability to business with creditors. 
Because of this defamation of character, I have suffered emotional and financial damages for years and you have also stolen from me. 
This is the first time I am speaking in years of suffering and pain as a victim of identity theft. 
You have XXXX working days. 
Kindly take this seriously. 
Regards XXXX XXXX
Consumer complaint received 2022-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IN)

Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. This account is not mine and belongs to another person this account information is wrong I have a letter from the creditor that states I do not have a balance due but instead I have a XXXX balance and did not have service.
Consumer complaint received 2022-03-20
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX account # XXXX, XXXX account # XXXX, and XXXX XXXX XXXX XXXX account # XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A States I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 166 b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-03-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am a victim of Identity theft. My social security has been used to open credit cards with XXXX and XXXX XXXX. XXXX has validated that credit cards were opened up with my personal information without my consent. I reported the identity theft to the police and reports were made. I disputed all accounts with all three credit bureaus who continue to report the accounts are negative or charged off. 

I am requesting the XXXX accounts be removed for all three credit agencies that are reflecting as negative which are indeed not my accounts. The XXXX XXXX account that is also reported as a charge off be removed because that is not my account, that was opened with my personal information that was stolen. 

Enclosed are copies of the letters I received from XXXX and XXXX XXXX validating my personal information was used to open the accounts without my consent. I am enclosing police reports validating that I am a victim of Identity theft. 
Please remove all accounts listed on my credit reports pertaining to XXXX and XXXX XXXX. 
Sincerely, XXXX XXXX XXXX : XXXX letters confirming my personal information was used without my consent and my social security number was used to open these accounts. Police reports
Consumer complaint received 2019-08-08
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. (KS)

Between XX/XX/XXXX and XX/XX/XXXX there have been numerous inquiries on my various credit reporting agency. 

I have reported the fraud to all reporting agencies ( TU, XXXX and XXXX ) as well as called each creditor reporting inquiries on my reports with these agencies. 

XXXX has been unhelpful removing the inquiries. 

XXXX XXXX has REFUSED to remove the fraud inquiries but has marked them as such internally - the inquiries are still on my report and have affected my ability to obtain new credit and have damaged my scores which is costing me a lot of money in higher interest rate loans now. XXXX accepted my report - but have not provided any deletion letters to me or to the Credit Reporting Agencies. 

XXXX XXXX and XXXX have also accepted my report - but have not provided any deletion letters to me or to the Credit Reporting Agencies. 

XXXX, XXXX and Target all still show inquiries on or about on XX/XX/XXXX thru XX/XX/XXXX which were all fraudulent attempts at obtaining credit in my name and social but at wrong addresses and unknown phone numbers. I have called each of these creditors and advised them of the fraud but they are not removing the inquiry reports to the CRA 's.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX 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 written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Consumer complaint received 2023-09-12
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 (NC)

Venmo randomly locked me out of my account with no reason. When talking to their support, I am told that they can not see a reason why the account was locked and that they will need to escalate. When asked for timeline I am told 7 to 10 business days, but that is an unacceptable amount of time to be locked out of access to my money with no reason. 

When asking for a number for the escalation team, I am told there is no way for a consumer to speak with them. I must wait for their email, and each response will be an additional 7 to 10 business days. 

No warning, no reason given, and no access to funds stored. This is criminal activity and should be punished as such.
Consumer complaint received 2017-08-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company (FL)

XX/XX/XXXX, put a contract on a home through Guild Mortgage, property address is in XXXX, sc XXXX XX/XX/XXXX, I did inspection for a streamline XXXX mortgage, total mortgage {$100000.00} XX/XX/XXXX, unknown to me, presidentially declared disaster damaged the home before we closed XX/XX/XXXX, I closed on my home but the lender did not do a post disaster inspection for damages as a result of the storm as required in FHA guidelines XX/XX/XXXX, contractor began streamline XXXX repairs but was unable to finish due to additional damage not included in the mortgage as a result of the storm XX/XX/XXXX, I was unable to even move in the home because the damage was so significant and severe, mildew and mold and flood damage, furniture was moved in and also damaged from mildew XX/XX/XXXX, retained an attorney to work with Guild Mortgage on getting the repairs done XX/XX/XXXX - XX/XX/XXXX, Guild Mortgage tried to put the responsibility for repairs on me. All the while, my attorney was in settlement negotiations with Guild Mortgage. Behind our backs, Guild mortgage applied for foreclosure in XXXX of XX/XX/XXXXXX/XX/XXXX, Guild mortgage had repairs assessed in the amount of {$160000.00}, the mortgage is only for {$100000.00}. Guild offered to take over the deed of the home in exchange for credit repair and a settlement of {$10000.00}.
Consumer complaint received 2022-10-26
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. (DE)

On XX/XX/2022 I called XXXX XXXX to request that they send the statement of the alleged debt to me via mail so that I could settle the debt. I was denied that request and was told they only operate online and via email ; I was also told that they would not accept my method of payment. I also requested for them to stop reporting to my consumer report as it goes against my lawful rights and privacy and causing adverse affects in my life. I was also denied that request even after I sent them the laws they are required to abide by. On XX/XX/2022 I sent a cease and desist via email as they say they do not accept anything via mail and once again I received a response denying me of my requests, my rights, and my privacy.
Consumer complaint received 2023-09-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc (OH)

I had a negative paypal balance of XXXX . stopped using paypal for awhile check the account maybe a week or 2 later and my new owed balance was XXXX XXXX .I then received a debt colletion letter in the mail from paypal of XXXX XXXX XX/XX/XXXX. I believe this debt to be wrong I dont even know how I could accumulate this amount owed on paypal and would like to dispute it.
Consumer complaint received 2022-03-20
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. (CO)

In accordance with the Fair Credit Reporting act, Account # 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 2022-03-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Service Company, INC (TX)

Debt collector refuses to send debt back to original debtor for me to settle with them. This collection agency has made contact with me after my Cease and Desist letter was sent on XX/XX/XXXX of this year. To this date the debt is still at their office and not sent back to XXXX XXXX of XXXX. Alleged debt amount is {$500.00}. They have also threatened to send the debt to a credit reporting agency to damage my credit.
Consumer complaint received 2022-03-20
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. (MD)

On XX/XX/2022, I paid off my student loans to XXXX. One loan balance was {$4.00}. The second one was {$21000.00}. I paid both in full and XXXX reported the accounts as closed. As a result, my credit score dropped by XXXX point. During this same time, XXXX reported that my loan to them had been reduced by {$960.00}. I don't understand why Equifax is reporting a score decrease when I decreased by debt. Also, during this same time period, Equifax reported that my borrowing power had decreased from {$100000.00} to {$15000.00}. I also paid of a mortgage of {$120000.00}. With reducing my debt by nearly {$150000.00}, it does not make sense that both my borrowing power and my credit score has dropped.
Consumer complaint received 2022-03-19
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)

In accordance with The Fair Credit Reporting Act XXXX  1 ) XXXX XXXX  account # XXXX, has violated my rights. 
2 XXXX XXXX XXXX account # XXXX, has violated my rights 3 ) XXXX account # XXXX, has violated my rights. 
4 XXXX XXXX XXXX account # XXXX 5 ) XXXX account # XXXX, has violated my rights. 
6 ) XXXX  XXXX XXXX account # XXXX, has violated my rights. 
7 ) XXXX XXXXXXXX account # XXXX, has violated my rights. 
8 ) XXXX account # XXXX, has violated my rights. 
9 ) XXXX XXXXXXXX account # XXXX, has violated my rights. 
10 ) XXXX XXXX XXXX Account # XXXX, has violated my rights. 
11 ) XXXX  XXXX account # XXXX, has violated my rights. 
12 ) 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. also states a Consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

Experian has elected to completely ignore my request to certify that they have complied with XXXX XXXX - XXXX XXXX. If an account is modified or deleted, carbon copies are sent to each CRA with whom the XXXX has a reporting relationship : XXXX Compliance mandates that carbon copies ( Carbon Copies!! ) be sent out. Also, the regulation says that simply sending carbon copies to the other bureaus is not sufficient. They are required to send carbon copies to ALL the places they have reporting relationships with that they have shared that reporting with. This DOES NOT mean just for that one bureau, or for just the main 3 bureaus, but ANY data furnisher they do business with in regard to this client. This fact alone makes it virtually impossible to comply with XXXX reporting standards. Even providing that the XXXX has carbon copies, how would they construct hundreds of them for each individual that disputes or challenges an item on their credit profile? 

Before I pursue a claim in Small Claims Court, I'm giving Experian one last time to certify that removal of the following accounts was shared with XXXX and XXXX : XXXX XXXX XXXX XXXX I specifically asked for this in Complaint # XXXX, filed on XX/XX/2022, and that case was closed without responding to this specific regulatory requirement.
Consumer complaint received 2022-03-19
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: ProCollect, Inc. (WA)

I had a debt with Pro Collect for a little over {$240.00}. I paid the debt and was told once the debt was at a XXXX balance Pro Collect would take the smear off my credit report. This has not been done. Also, its reporting negatively that I still owe on my consumer report. I would like this remark removed from my credit report and consumer report as promised. 

Thank you.
Consumer complaint received 2022-03-19
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)

I am XXXX XXXX I repeatedly giving this corporation opportunity to cure these inaccurate information being reported on my consumer report.. I am very aware of the FCRA regulations. I AM A NATURAL LIVING PERSON. Per. 15 USC 1692 a ( 3 ) .The law states that I have a right to a accurate credit file and this company is continuing to update and fix this problem this is my third time giving this corporation a opportunity. Due to there negligence myself and family are XXXX. See Attached Documents. This corporation is in violation.
Consumer complaint received 2019-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

I switched home TV/Phone/wireless service from XXXX to XXXX in XXXX of XXXX. XXXX produced a bill saying that I had a past due amount. This was incorrect as they bill a month in advance and I had cancelled their service and returned their equipment. I received a letter and calls from Southwest Credit regarding the same amount of past due ( {$270.00} ). In speaking with XXXX, they acknowledge the bill is in error ( too high ) but that they can't correct this until the next billing cycle ( XX/XX/XXXX ) ... .yet Southwest Credit will not stop their debt collection activities. Crazy ... .I know XXXX is a bad customer service company but even they can't tell me the actual amount owed ( only that it's less than their bill ). What's a consumer to do?? 

XXXX XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MRS BPO, LLC (LA)

In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions
Consumer complaint received 2022-03-19
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. (CA)

I am XXXX XXXX I repeatedly giving this corporation opportunity to cure these inaccurate information being reported on my consumer report.. I am very aware of the FCRA regulations. I AM A NATURAL LIVING PERSON. Per. 15 USC 1692 a ( 3 ) .The law states that I have a right to a accurate credit file and this company is continuing to update and fix this problem this is my third time giving this corporation a opportunity. Due to there negligence myself and family are XXXX See Attached Documents. This corporation is in violation.
Consumer complaint received 2022-10-27
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. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX Balance Owed : {$12000.00} XXXX Medical XXXX Balance Owed : {$65.00} ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXXXX/XX/2022 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 alleged identity theft, not later than 4 business days after the date of receipt.