davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to explain the circumstances of my chapter XXXX bankruptcy filing..Since credit bureaus wont hear me out I don't know the reason why, but they failed to cooperate..My husband had been laid off from work 7 months previously, which meant our financial situation was precarious. Mine was the only income in the household. I was just barely keeping up with the usual bills after the loss of my husband 's income. This led to our bankruptcy filing. .Things have improved since then..I have received annual raises and my husband have a job now.. Our credit history since the bankruptcy is relatively limited but all of our bill payments since the bankruptcy discharge have been on time.. CFPB reconsider, take care of my concern and fix the following accounts XXXX XXXX XXXX XXXX -- this account is reported twice the other trade line is in good standing..Its really confusing. Take off the other account which is XXXX XXXX XXXX XXXX..

fix also XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Purchased an item on ebay and paid with paypal for {$690.00}, ended up canceling with seller, Paypal stated a refund was issued XXXX, however no funds were ever received due to a " guest account '' being used. I used my mastercard debit card, which paypal didn't recognize as a Mastercard they referred to it as a star card that doesn't allow refunds. SEVERAL phone calls were made to Paypal with NO RESOLUTION, paypal made excuse after excuse that they claim i was refunded! I spent hours on hold and i am a truck driver and can not afford to be on hold for those long periods of time. I had to open a dispute with my credit union to get back our money since paypal didn't refund. We receive an email from paypal XX/XX/XXXX stating they apologize for the delayed refund as the refund experienced a " technical difficulty '' and yet I STILL DO NOT HAVE THE FUNDS from XXXX. Luckily the credit union issued a provisional credit. Another phone call revealed funds were in a " guest account '' and when I questioned how can we access the guest account, the reply from the executive of escalations responded with a generic answer of due to the chargeback, we have to wait for the cardholders decision and to call him back, i was never able to reach him and left several messages. XXXX XX/XX/XXXX, 3 months later paypal realized the issue and finally refunded our paypal account. I have all the correspondence from paypal with all the excuses and i feel they have broken reg e regulations and simply didn't assist me, the consumer.
Consumer complaint received 2019-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am very frustrated at this time, my concern was not properly handled by the XXXX credit bureaus - XXXX, Experian, XXXX. I've been writing letters for months now and did not get a clear explanation why they keep on saying the accounts were verified. Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. All claims, true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable reporting laws and requisite standards. The accounts XXXX  XXXX BANK, XXXX XXXX BANK, XXXX XXXX XXXX history were not correct and is not a charge off. I PAID THE ACCOUNTS AND WERE SATISFIED AS AGREED. Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved
Consumer complaint received 2024-03-11
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I'm in an active bankruptcy. I called my bank to inform them that I added my business as well. I also gave them my bankruptcy number on file. When I called for update they had removed my bankruptcy stating I was not listed on my business. While speaking with Collection department XXXX XXXX I was told it would be added back. My bankruptcy is under XXXX XXXX and I also list my married name XXXX XXXX under names used.
Consumer complaint received 2023-06-01
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. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact inaccurate i can go on and on how credit bureaus have no respect for the Law someone need to hold them accountable
Consumer complaint received 2016-03-31
Product: Payday loan — 
Issue: Can't contact lender — 
Company: National Principal Group, LLC (SC)

I have been contacted regarding a payday loan I supposedly applied for in XXXX 2011 and failed to pay back. I did not take out a payday loan during this time and not with this company or any of it 's affiliates. They have my personal information and have read it to me when I called them back. They have contacted my mother and spouse and threatened to have me arrested if I failed to pay this loan back. I do not owe them money and I want them to stop harassing me and my family. They call from different numbers daily and the address listed on " their website '' is actually the address for a XXXX XXXX in New York. It has reached the point where it has made my wife and I nervous and looking over our shoulders.
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 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 2022-04-08
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: EQUIFAX, INC. (CA)

There are accounts under my name that is a result of Identity Theft that I have no direct engagement with. Please see attached documents for these accounts I am complaining.
Consumer complaint received 2021-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp. (IL)

I have recently been made aware on XX/XX/2021 that ABSOLUTE RESOLUTIONS INVESTMENTS , LLC has purchased my personal and financial location information resulting in the theft of my identity, and are accusing me of owing an alleged debt that has been paid. This debt is also being inaccurately reported to multiple credit reporting agencies without my permissible purpose and is hurting my financial and personal reputation. They have also harassed and threatened me with multiple inconvenient forms of communication such as phone calls and letters stating that they are attempting to collect a debt. This false accusation of alleged debt owed is inaccurate and is defamation of my character, discouraging, and I do not agree with it.
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX Account XXXX XXXX had violated my rights. 

15 USC1681 Section 602 states I have the right to privacy.

15USC 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 end consumer credit plan as late for any purpose.
Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: EQUIFAX, INC. (MO)

Went to check on a vehicle asked them to run out credit with only XXXX companies and they did it with XXXX. I did not authorize them to do that! And so there are tons of marks on my credit score.
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (LA)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have an " adverse '' account on my credit report with XXXX Mortgage Company and a claim of delinquency starting XXXX/XXXX/2014. 

They report a delinquency on XXXX/XXXX/2014 for failure to pay a mortgage payment in the month of XXXX ; however, I provided XXXX fully executed settlement documents and the deed to my home on XXXX/XXXX/2014 ( less than 30 days from the payment due date ). Per the IRS Form XXXX they issued to me, the fair market value of the home was {$250000.00} while I only owed them {$210000.00}. 

Based on the fact the mortgage was fully satisfied on XXXX/XXXX/2014, the delinquency in XXXX should be removed from my credit report and the account status should be changed to a satisfactory account across all three credit bureaus. 

In addition, Transunion 's credit report states, " Any rating that is shaded indicates that it is considered adverse. '' The shading starts at " 30 days late '' ; therefore, Transunion should have never allowed this account to be coded as adverse.
Consumer complaint received 2019-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kelsting Group, Inc. (CA)

On XX/XX/2013 I paid off my debt that went to collections of {$270.00} and I received a letter from credit bureau associates stating that my debt has been paid in full and I also received another letter stating that I would have the " reference account '' deleted from my credit report since it was paid off. I had recently checked my credit report at my local bank and it shows that this debt is still attached to my mine name and is listed as unpaid. It has affected my credit score immensely because of this debt that should have been taken care of years ago.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX  XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is not a XXXX. 

I have tried to escalate this matter to TransUnion multiple times without success on XXXX XXXX. I have tried to get validation by the collection agent and received no response back from the collector. 

Tracking information : USPS Certified mail - XX/XX/XXXX - XXXXUSPS Certified mail - XX/XX/XXXX - XXXXXXXXI have tried bringing this to TransUnion multiple times notifying them that the Collector agent did not validate this account within the 30days required by the FDCPA and TransUnion repetitively delayed the process of removing this account ; responding that they performed researched and that " we verified that this item belongs to you '' Tracking information for TransUnionXXXXXX/XX/XXXX - XXXXXXXXXX/XX/XXXX - XXXXXXXXXX/XX/XXXX - XXXXThis account showed up on my credit report on XX/XX/XXXX for a balance of {$670.00}. This current TransUnion report on XX/XX/XXXX Confirmation XXXX and XX/XX/XXXX Confirmation XXXX both states a repetitive response that TransUnion verified this account to be a Rental/Leasing named " XXXX on XXXX XXXX ''. During this time period, I was living at XXXX XXXX XXXX up until XX/XX/XXXX. How could there be a collection for another rental/leasing for a different amount while I was living at XXXX XXXX XXXX? I have a copy of my lease which I 'm attaching. TransUnion allege investigation only verify my name, and information which is already on my credit report provided by the collector. 

Again, I have contacted the Collection Agent and did not receive any validation nor respond and the report on XX/XX/XXXX states that this is from another rental/leasing company. On XXXX, when I return my apartment I did a final walkthrough with the property management named XXXX, and there were no damages to the apartment and the apartment was returned in good standing and no money was owed. Also my monthly rent was not {$670.00}. 

This account does not belong to me. I have not received any validation from the collection agent, and this is mistakenly on my credit report. I 'm demanding that this be removed from my credit file.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report. Immediately : EQUIFAX sent a letter to me on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-11-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

My 5 year old mortgage is with USAA and is serviced by XXXX. Last year I purchased land across the street but not attached to my land and I paid cash. I have the deed. I am a 100 % XXXX Veteran and have a exemption on my home and land from property taxes. 

USAA has the documents and I have not paid taxes out of my escrow and always receive a refund at the end of year because I do not pay property taxes on my home and land. 

Last year USAA paid my property tax for the land I bought out of my escrow!!! 

I worked on this with them as well as my local tax office for months. They have my home parcel number on my land across the street in their system I have spent weeks complaining to USAA and have been assured it was corrected last year by USAA. 

However after logging on to check because taxes are paid here in XXXX and XXXX and it is still showing as they are about to pay taxes out of my mortgage escrow on land that is not attached to my home or mortgage and I have the deed for that land. 

I am beyond appalled and frustrated. I have reached out to them yet again and spent several hours once again on the phone with USAA and XXXX. 

They have assured me the problem will be fixed but as you can see by the attachment it is still showing as they are ready to pay taxes on land out of my mortgage escrow that is not attached to my mortgage! 

USAA used to be among the best for XXXX but they simply no longer care to fix their troubled systems. 

This should be extremely illegal and I think about older Veterans who have no access to internet and have no idea this is happening to their escrow accounts. 

I have attached a screen shot of my escrow, parcel maps showing my home and my land across the street. 

You can clearly see they are using my home parcel number to pay taxes on my land across the street. 

Once again I am totally exempt from paying property taxes on my home and land but I am required to pay taxes on my land across the street that I paid cash for and have the deed so it should not ever be paid out of my mortgage escrow! 

Thank You!
Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
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 2021-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (CA)

The creditor company was under LVNV funding And now resurgent capitol. This debt was included in my bankruptcy and it was charged off. This business came back as resurgent capitol and has put this negative on my credit. 
I paid them {$330.00} and they said they would remove it from my credit. It still on my credit which should have been discharged and I should have never paid something.