davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Experian was XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-04-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

The Law Offices of Mitchell D Bluhm & Associates keep calling me trying to collect a hospital debt. I have asked on numerous occasions per the rules of FDCPA to provide me with a verification of debt and documentation that I owe the debt. They keep calling harrasing me and saying they sent it but have not. The other day another person called telling me it " was not sent to an attorney for review yet '' making it seem like they may sue me. I was told I would have to reach out to ask for the verification of debt and told them three times I have asked them to do their job and provide me with it per the rules and they still have not.
Consumer complaint received 2015-12-09
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc (CA)

Hello, I am writing to complain against PayPal Inc for purposely limit my account and hold my fund from being accessed. 

On XXXX XXXX, I wrote an complain against PayPal for loading money into my account using PayPal cash card. The problem was solved yesterday ( XX/XX/XXXX, XXXX ) and I was able to loading fund into the specified account. Since PayPal has a limit for loading money everyday using cash card ( {$500.00} per day ) and I have XXXX cards for {$1000.00}, I need two days to finish loading ( yesterday and today ). I loaded the XXXX cards this morning, and wait for the fund to be settled ( according to PayPal, it requires one day ), and several hours later just after my loading, I received an email says my account was locked. It shows apparently that PayPal purposely let me load the money but lock the fund immediately after that before I even have a chance to use it. I called customer service to request my funds back but was told to wait for 45 days for no reasons. This is what had happened. Thank you! 

Regards, XXXX XXXX
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

I will like to request a security freeze and address update on my file. The correct mailing address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Ga, XXXX XX/XX/1995 XXXX XXXX XXXX XXXX XXXX XXXX. TX XXXX You are breaking the law. Pursuant to 15 usc 1681 ( a ) ( 1 ) Congress states the banking system is dependent upon my consumer reports that must be deemed fair and accurate. My consumer reports are in fact not fair or accurate. Furthermore, Congress also states that you must have my permission to report information on my consumer report which I did not give you. According to pursuant 15 usc 1681 ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : If you choose to not take my request into consideration, I will have my information removed from your database. I will no longer do business with you or any financial institutions that pull information from you. Your company has practiced unfair reporting methods. You took information from alleged creditors and reported this information without consulting with me to confirm if it was accurate or not. This in fact gave the furnisher inaccurate information and an unfair advantage over me.
Consumer complaint received 2017-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MS)

XXXX  credit report of mine shows that a company by the name of   CONVERGENT  XXXX , INC   .is stating i have  a collection account with them on behalf of   XXXX   XXXX   in the amount of {$280.00} and the account was opened on   XX/XX/XXXX . I h ave never authorized an account with  XXXX   XXXX  or had any type of service with them. they have deleted the account from my   XXXX   credit report on   XX/XX/XXXX  a nd from another company  XXXX ,  XXXX    XX/XX/XXXX .    XXXX    stated I need to contact them which I already have and I was told I have never had an account with  XXXX   XXXX . If this is the case then why are  XXXX  different companies coming after me then being deleted now back on my credit report?!
Consumer complaint received 2022-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (CA)

XXXX, mailed a letter to NCB Management Services to validate debt. They have not responded in a timely matter. XXXX and XXXX have deleted the account from my kredit profiles. According to FCRA section 611 ( a ) 6 and 7 gives us the right to request a method of verification. NCB has failed to provide the method of verification within 15 days.
Consumer complaint received 2022-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Acceptance Corporation (CA)

XX/XX/XXXX I took my daughter to XXXX XXXX XXXX ( XXXX medical ). 

XX/XX/XXXX We reached {$3500.00}, out of pocket maximum because she was hospitalized later. 
I don't need to pay anything including copay after we reached out of pocket maximum with my insurance policy. 

XX/XX/XXXX XXXXXXXX XXXX XXXX ( XXXX medical ) billed me {$50.00} for copay. 
I contacted them and they told me we don't have to pay for the bill after they got the proof of document that said my responsibility is XXXX ( from insurance company ). 

XX/XX/XXXX collection company sent me a bill ( XXXX  lied when I called them before, and they sent the bill to the collection instead after I contact them ) I called to XXXX  again, they said they will take it off from the collection. 

XX/XX/XXXX collection company sent me a bill again ( XXXX agent lied again, and they did nothing with the collection ). 

XXXX XXXX XXXX ( XXXX medical ) is trying to get {$50.00} from me even though they got the document that said my responsibility is XXXX, they lied every time I called them, also she visit the urgent care when she was XXXX, and they sent {$50.00} bill to collection with my daughter name. 
What they do is just pushing me to pay {$50.00} even though they knew that it is not my debt.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

My credit file from Equifax is frozen and I'm unable to lift freeze online on their webiste. When I try to unfreeze my credit file online on equifax website, it prompts me to call XXXX number to unfreeze my credit file. 
I've tried several times to call and get my credit file unfrozen by equifax. Most recently I called on XX/XX/2023. 
Equifax says, they don't have a credit file in their system and unable to unfreeze my credit file. 
I'm not able to get credit or even get an internet connection due to my credit file being frozen by Equifax.
Consumer complaint received 2022-05-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (NV)

I made a complaint against Navy Federal Credit Union against unfair tactics to collect debt on XX/XX/XXXX. They locked me out of all online accounts, to include my mortgage. This time they are going after my VA Mortgage. As of XX/XX/XXXX, they are once again not sending mortgage payment statements. They also failed to post my mailed check for payment for XX/XX/XXXX mortgage. This check was sent via XXXX XXXX XXXX ( XXXX ). 

I called a Navy Federal Credit Union mortgage XXXX on XX/XX/XXXX to inquire about payment and statement status. My check sent from a non-profit organization that is tied to the United States XXXX has, for some reason, not been received or been posted. I asked why I haven't been receiving statements, like in the past, and the mortgage XXXX was unable to access the mortgage statement for XXXX and informed me it hasn't been sent out yet. Why do they ( Mortgage XXXX  ) not have access and why has my XXXX statement not been sent yet? 

Navy Federal Credit Union is now messing with a governmental agency ( the XXXX XXXX ) and a non-profit organization, XXXX XXXX XXXX, that has close ties the XXXX. XXXX has paid for my mortgage for XX/XX/XXXX via check and sent via the paystub on the XX/XX/XXXX statement. 

I have continued NO ACCESS to my Navy Federal online account to handle and pay for my mortgage. 

Navy Federal is continuing to fail to follow the XXXX order listed below : https : XXXX Specifically from that order and is my situation : " Illegally froze members access to their accounts. 

I will work with these agencies to take action against Navy Federal, if there is no resolution for my VA XXXX.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

I tried to apply for a credit card an been denied to something missing on my credit report an being falsely reported deceased illegally cause me to be denied credit fair credit report agency act violation civil rights uptain credit an applying for credit place my credit in good standardan to approve my application an contact XXXX XXXXXXXX for a approve an fix this problem all credit report agency approve my application to uptain credit my date of birth was incorrect to stop me from having credit
Consumer complaint received 2022-05-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

XXXX, I mailed a letter to 800 Loan Mart requesting them to validate this debt. Have not received a response to validate debt. This account was removed from XXXX and XXXX but has not been removed from XXXX. According to FCRA any inaccurate data must be removed from kredit profile immediately.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing this to file a formal complaint against XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 U.S. Code 6802 of the XXXX XXXX XXXX ( XXXX ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 U.S. Code 6802 of the XXXX XXXX XXXX ( XXXX ), and I have retained documentation of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the XXXX, I have reason to believe that XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXXXXXX complies with all federal regulations and laws including the XXXX, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX. 

Lastly, I have already submitted a compliant with the Consumer Financial Protection Bureau against XXXX XXXX. The complaint number is XXXX. 

Please feel free to contact me at at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my rights.
Consumer complaint received 2022-05-15
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. (IN)

In accordance with the fair credit Reporting act XXXX  account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 : its also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-15
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. (IN)

In accordance with the fair credit Reporting act XXXX  account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX 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 : its also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-18
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)

Im accordance with the Fair Credit Reporting act XXXX Account # 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.
Consumer complaint received 2022-05-18
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. (LA)

Im accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX # XXXX, XXXX  # XXXX, Radius # 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 2022-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (IL)

This is related to Complaint XXXX, Unauthorized transfers on unverified debt. NAVY FEDERAL CREDIT UNION alleged I owed XXXX and used amounts from my checking account towards this balance after I directly asked for clarification regarding the credit section of the statement. 

Today I noticed that the amount has decreased to XXXX approx. without any explanation. I did in fact do a complaint regarding the transfers and I do expect to get a written explanation concerning the transfers. 

NAVY FEDERAL CREDIT UNION, ( NFCU ) is not abiding by the law and must be held accountable for their grave fiduciary failure in regards to financial accounts. 

Thank you.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act XXXX  Account/ XXXX XXXX acct # XXXX / XXXX XXXX XXXXXXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX  ( credit union XXXX acct # XXXXz 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 2it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I tried to apply for a credit card an been denied to something missing on my credit report an being falsely reported deceased illegally cause me to be denied credit fair credit report agency act violation civil rights uptain credit an applying for credit place my credit in good standardan to approve my application an contact XXXX XXXX for a approve an fix this problem all credit report agency approve my application to uptain credit my date of birth was incorrect to stop me from having credit
Consumer complaint received 2022-05-15
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 ()

i believe that it was a mistake to close my paypal account, i am using my paypal account for my online business, Business name : XXXX XXXX XXXX description : digital products services or, selling. 
i don't remember, when i start my paypal business, but i recieved my first payment, on XXXX, XXXX, XXXX usd, from XXXX XXXX XXXXXXXX XXXX with transaction Id : XXXX. 
i need to withraw my stuck funds, ASAP, for emergency purposes, and i am hoping that i will get back my PP Account, and able to withraw my funds. Thank you, and God Bless.
Consumer complaint received 2023-04-07
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. (TX)

XXXX XXXXXXXX account ending in XXXX, I want this account deleted due inaccurate reporting. XXXX XXXX is reporting 30 days late in XX/XX/2017. I was not late and made my payment on time XX/XX/2017. The only way to legally prove that the account is reporting accurately is for XXXX XXXX to show their bank statement proving I did not pay on time XX/XX/2017. If the bank statement document from XXXX XXXX can not be provided then the account can not be legally verified and must be deleted. Any verification or update without the legal document being XXXX XXXX  bank statement would be hearsay.
Consumer complaint received 2021-10-28
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: EQUIFAX, INC. (AZ)

Equifax has not updated an account since XX/XX/2021. I was removed as an unauthorized user for one credit card on XX/XX/2021 that still appears on my credit report. Another account that I was added as an authorized user shortly after has still not appeared on my credit report. These two accounts accurately reflect on my XXXX credit report and my score is over 60 points better because of it. Equifax is causing my hundreds if not thousands of dollars a year by not reflecting my most up to date credit information for lenders. When I requested my full credit report from annual credit report.com, Equifax provided me with a completely blank document and has not responded to my complaints of withholding my personally financial information. Equifax should be fined for violating credit reporting rules and regulations.
Consumer complaint received 2022-05-15
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. (PA)

I received an unwelcome notice from TransUnion of a XXXX point decline on my credit report. This change occurred because an entity named " XXXX '' imposed a " hard inquiry '' on my credit. I am not seeking credit, I have no relationship with the financial entity and did not authorize any inquiry. I requested that TransUnion remove the inquiry but was told they need a deletion letter from the company that made the inquiry. 

I wrote to XXXX requesting a deletion letter and they said they could not provide one because while they are the " lender '' they partner with other financial entities and only their partner has access to my customer and account information. So I wrote to XXXX XXXX, even though I am not their customer, but did not get satisfaction. 

I find this whole experience very unsatisfying. What right do they have to impose this on me without my authorization. When I ask each entity to correct the problem they all point the figure at someone else. 

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 2023-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am sending this letter to your agency to dispute information on my credit report due to the accounts that were opened fraudulently under my 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