davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax and XXXX must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX XXXX XXXX XXXX Late Dates XXXX
Consumer complaint received 2022-11-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prince Parker & Associates (TX)

I received a letter from Prince Parker and Associates telling me that I owned XXXX from XXXX XXXX XXXX XXXX. 
I contacted XXXX customer service and they informed me that I didnt owe them anything, and told me to contact the Federal Trade Commission . 
The FTC in turn told me to file a complaint with your agency.
Consumer complaint received 2022-07-12
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. (MD)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-12
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: M&T BANK CORPORATION (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : M & T BANK XXXX Late Dates XXXX
Consumer complaint received 2019-03-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (NJ)

On XX/XX/2019 commonwealth finance put XXXX dollars in collection for medical dept that IS NOT OWED the number associated is XXXX AND I HAD AND HAVE XXXX AND XXXX FOR THE LAST 5 YEARS SO NOTHING AT ALL IS OWED
Consumer complaint received 2019-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I accidentally sent money to the wrong e-mail address using PayPal on XX/XX/XXXX. I have made multiple attempts to reclaim my money and still have not received {$91.00}. 
My neighbors daughter was born XXXX in XX/XX/XXXX. She had some emergency XXXX XXXX in XXXX and our friends were preparing for long term medical care at the hospital. We wanted to help out and give some money to an account their friends setup. 
I sent a {$500.00} payment ( {$91.00} from a credit on my PayPal account and {$400.00} from my credit card ). I accidentally sent money to the wrong e-mail address, missing two letters in the address. I immediately realized my mistake and called PayPal immediately, but it was after their office had closed. I tried to recall my money through my online account, but there was no option for accidentally sending to the incorrect e-mail address. I picked the option that fit the best. I called PayPal and talked to their refund department the next day and they recommended I wait to see the result of the claim. The claim was quickly denied ( XX/XX/XXXX ) and I called again. The representative submitted another claim for me with the proper details. That claim was denied on XX/XX/XXXX. I called PayPal again and the girl I talked with recommended that I file a dispute with my credit card company and said that once they refund the purchase, the entire transaction would be refunded. 
I opened a dispute with the credit card company on XXXX and they resolved the dispute and refunded {$400.00} on XXXX. I called PayPal fairly soon after that to confirm the full transaction would be refunded and they assured me the money would be automatically refunded once the dispute result was settled in Paypals system. After several weeks with no refund to my Paypal account, I called Paypal again. Paypal claimed not to have any control or ability to refund the money. The e-mail address the money was sent to returned a couple e-mails and phone calls and claim to have no control of or access to the money. He said PayPal pulled the money back as soon as the credit card company dispute investigation started. I have copies of the e-mails, bank statement, and case e-mails. 
On top of that I called one last time, XXXX and talked with XXXX at PayPal. He challenged the facts of my case and was extremely rude. 
Ive received {$400.00} refunded from the transaction only through my credit card company.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

It took me months to go back and fourth, I have hard credit inquire on my all three reporting agencies between XXXX some are dated XXXX and XXXX of the month auto loan. I never gave permission to second nor third parties to use nor abuse my credit. As you see many used it months, or days without my knowledge. I now have alert on my report once again. I did reach out to these company which was stated not seeing anything on their end with my name, as my information is not in their system I'm asking for them to be removed and updated. Thank you
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have accounts in XXXX that are reporting incorrect data and nonpayment status. The accounts are being paid and almost zeroed out. I have asked that this matter be looked into as they are reporting outdated information to my consumer credit files in XXXX, Equifax and XXXX affecting my scoring and limiting my ability to attain loans and/or other credit based services or products. 

I am current and have made all payments on time. I am a XXXX XXXX  XXXX XXXX and do not have the time to be consistently battling these companies to update information which is their responsibility to do. 

I am asking for assistance in this matter from the CFPB
Consumer complaint received 2018-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I applied for a Amex new business card but a personal card was approved instead in XX/XX/2018. I met all spending requirements but haven't received the promotion of XXXX points of the promotion offer. An explanation letter was mailed to me to explain it was due to a tech error for opening incorrect account in XXXX. I request the promotion offer be honored because of Amex system mistake.
Consumer complaint received 2018-11-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Consumers Inc (VA)

I received a letter on XX/XX/2018 from United Consumers , Inc. stating that I had been reported to them from XXXX XXXX XXXX XXXX ( actually XXXX XXXX XXXX, though that was not referenced in their letter ) for an amount of {$54.00} ( actual amount on every bill I knew about was {$55.00} ). The letter said that if I wished to dispute the collection, I needed to submit a written notice within 30 days. I sent a letter on XX/XX/2018 ( that is well-within 30 days ) with my written dispute, providing documentation as to why I was not responsible for the amount. I had reached my maximum out of pocket as of XX/XX/2018, which I had told XXXX XXXX XXXX on two occasions over the phone, as well as providing them with the letter on two occasions. I provided that letter, as well as my Explanation of Benefits from my insurance company where they clearly denied the claim and stated the provider ( XXXX XXXX XXXX ) was responsible for the charge. I sent it to the only address provided by United Consumers , Inc. on their letter. 

On XX/XX/2018, there was a voicemail left on my phone - no phone call, just a voicemail that bypassed any phone call - stating I needed to call XXXX about a debt. It did not say who I needed to speak to, did not reference an account number, did not reference an amount, did not provide any other information whatsoever. When I called, the person spoke too fast for me to understand his name ( he was male ), and he told me I had an outstanding bill that was due and needed to pay it. I told him I had sent my disputation letter within my 30 days, and he told me they never received it. He then proceeded to tell me the U.S Post Office is unreliable, and so I shouldn't have trusted it would have reached them. He said he would give me a fax number to fax my documents, but I was upset and demanded to know why they offered the letter as an option if they felt there was no point sending it. He refused to answer. I then demanded to know why a fax number wasn't provided from the beginning if the Post Office was deemed so unreliable, especially when they were making a requirement of a WRITTEN disputation. He refused to answer and continued to refuse to answer, before finally stating he was not going to deal with me and hanging up. I was never given the fax number, and it is most certainly not available on the paperwork provided.
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (CA)

I am appalled to see that the Accounts I have been disputing were not corrected after acquiring an updated copy of my Credit Report. I have been sending countless letters to the Credit Bureuas urging them to correct the accounts from erroneous reporting, however, I am disappointed to see that the Credit Bureaus have done nothing. The last letter I sent to the Credit Bureaus on XX/XX/XXXX requests that the Items I believe report inaccurate information must be corrected. The Credit Bureaus never responded to the Letters I previously Sent before XX/XX/XXXX which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$1200.00} Date opened XX/XX/XXXX THE BANK XXXX XXXX XXXX Balance {$200.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$1800.00} Date opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-06-18
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. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-11-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Check Resolution Inc. (WA)

National Check Resolution Inc . 
XXXX XXXX XXXX had represented in XXXX XXXX that they were a sovereign entity ( XXXX lender ) wholly owned and operated by the XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX. The impression is that the company is licensed to do business in states where they have no license, as they are not subject to the state laws. This was sent to Washington XXXX which returned a decision that only the original {$1000.00} needed to be repaid, no fees or interest. Contact from National Check Resolution started XXXX XXXX, XXXX. With 2 calls : home ; XXXX am and Cell ; XXXX am. XXXX XXXX, XXXX 2 more calls : Home ; XXXX am and Cell ; XXXX am. XXXX XXXX, XXXX another call home ; XXXX XXXX. That is 5 calls in 3 days. They are claiming that the loan is valid, and have stated that, " the client has stated that you still do not respond to several notices that were sent to your residence. The file has been forwarded to our office for final recommendation prior to being processed on ( First was XXXX, Second was XXXX ). You do have a legal right to resolve your case. If you choose, yourself or your attorney can contact our claimants office at XXXX. '' On this I am not sure as to what the processing would be, and the second is that the records, if indeed a case might be, are not kept properly. This to me appears a scam as to the two different days as well as the threat of processing. Also to note, the last notice regarding anything on this was from Washington State XXXX as to XXXX XXXX not having a valid license in Washington State, and the amount to be repaid could not exceed the {$1000.00}. So as no notices, and the fact of the different dates, I do believe this may be a Phantom Collection. 
I have verbally told them not to call again until I get the Validation letter in the US Mail. They in return told me they would call back XXXX XXXX XXXX XXXX ).
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2022-07-12
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. (CA)

I am appalled to see that the Accounts I have been disputing were not corrected after acquiring an updated copy of my Credit Report. I have been sending countless letters to the Credit Bureuas urging them to correct the accounts from erroneous reporting, however, I am disappointed to see that the Credit Bureaus have done nothing. The last letter I sent to the Credit Bureaus on XX/XX/XXXX requests that the Items I believe report inaccurate information must be corrected. The Credit Bureaus never responded to the Letters I previously Sent before XX/XX/XXXX which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$1200.00} Date opened XX/XX/XXXX THE BANK XXXX XXXX XXXX Balance {$200.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$1800.00} Date opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tri-State Adjustments, Inc. (DC)

Tri-State adjustments is attempting to collect on a debt they claim I owe. I have never done business with Tri-State adjustments, I do not know who they are, and they have not sent me any documentation to substantiate this debt. They called me on the phone, and said they'd report me to the credit reporting agencies even though they'd not provided any documentation or proof of this supposed debt.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In XXXX I was employed at the XXXXXXXX XXXX Sheriff Department in XXXX Tn. I submitted a XXXX incident in XXXX of XXXX and an assault that resulted in XXXX XXXX. My employer retaliated immediately by using its influence with the TransUnion company, on XX/XX/XXXX, to publish false financial information in order to restrict my financial ability to get legal help. I did not give my employer written consent to contact TransUnion on XX/XX/XXXX. My former employer contact telephone number, XXXX is on the TransUnion report. The other number on the report, XXXX, belongs to me and I have had this number only a couple of years. My former employer had the financial power to have me falsely arrested and terminated on XX/XX/XXXX. The The XXXX XXXX Retirement Board immediately took my entire pension earning on XX/XX/XXXX also without my knowledge or consent. The XXXX XXXX Sheriff Department now refuse to furnish an affidavit of arrest that occurred on XX/XX/XXXX. The indictment # XXXX.
Consumer complaint received 2022-06-18
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. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-11-13
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. (NY)

I paid a credit repair agency for almost 2 years {$100.00} a month to fix my issue my ex wife did to me before she disappeared after visiting her home country. All 3 reporting agencies should understand the importance of credit and have let the be aware of my situation and I still have this burden to live with every day.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Im accordance with the fair credit reporting act XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX/dept of Ed account # XXXX XXXX XXXX XXXX XXXX  account # 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 an account without my written instructions
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Tried to get all 3 credit reports and was denied by XXXX because of dispute ongoing. The other 2 said to check back in a year and i didnt receive reports. Im XXXX and want to correct my debts. But found many mistakes on XXXX report thru XXXX XXXX.please help me to view reports online free.Tried to dispute with equifax but told dispute not found.
Consumer complaint received 2018-07-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AZ)

have submitted a loan modification over and over at this point I don't think the package goes to underwriting the loan was originally a bad interest only loan Ocwen just keeps adding onto the interest only balance there is no justification to what happens once a package is sent to Ocwen its apparent that a review to assist me with this bad loan happens ; in a few days after receipt of the pkg. Ocwen denies