davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

My wife and I have a credit card account with Citibank. In fact there are two accounts with them. This month my wife and I both submitted payments in the amount of {$370.00}. She made a payment on the XX/XX/XXXX and I made one on the XX/XX/XXXX. It is quite obvious that this is a mistake since both payments were in the exact same amount and also made one day apart. There was no notification that a payment had previously been scheduled. When I tried to have this corrected by Citibank I was given the run around. Transferred to numerous different people in different departments. They informed me that they needed to speak to my bank and I was not able complete what they needed because I am currently out of town on business and do not have access to all of the information I needed to allow my bank to give them the information they needed. This is a very simple mistake and they should simply correct it. They are purposefully making this difficult for no reason.
Consumer complaint received 2019-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (FL)

On XX/XX/XXXX I cancelled an account with XXXX XXXX XXXX because I was highly dissatisfied with their service, I asked for and received the current billing amount owed at the time returned all of the leased equipment and PAID THE ACCOUNT OFF IN FULL! 
I am providing the receipts and emails, there were several collection agencies that I submitted the files to, XXXX would simply hire another, I finally explained I no longer determined this to be an attempt at debt collection seeing as I submitted proof of payment but it was now in fact harassment, In checking my XXXX  credit report I see the erroneous billing included in my credit report! 

New collection DIVERSIFIED ADJUSTMENTS XXXX  XXXX, XXXX, XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE DIVERSIFIED ADJUSTMENTS XXXX XXXX XXXX XXXX XXXX XXXX, MN N/A UNPAID $ USD XXXX
Consumer complaint received 2019-03-29
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. (NJ)

i have delinquent accounts that do not belong to me. i attached all accounts associated and does not belong to me. 2 collections and 6 late accounts I. don't understand, please help
Consumer complaint received 2019-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

On XX/XX/2018 I received a payment in the amount of {$2700.00} from XXXX XXXX XXXX XXXX Indiana from his personal Bank XXXX XXXX sent through PayPal as a personal payment PayPal transaction ID : XXXX. He Purchased a large Lot of remote control trucks and a large amount of brands new, used, and opened package parts for the trucks that shipped with the trucks. I shipped 2 very large packages via XXXX. Tracking numbers : XXXX, XXXX. Both of which were signed for by a XXXX as the tracking shows. Once XXXX received my items he then proceeded to go through his bank and file a fraud form stating he did not recognize the transaction and did not approve it. By signing this form his bank XXXX XXXX returned the {$2700.00} back to him taking it out of my PayPal account XXXX without my consent or even contacting me first to explain the transaction. So XXXX XXXX now has the {$2700.00} and my items. I then contacted his bank to inform them of this transaction and the proof for selling XXXX XXXX these items and receiving the payment sent by XXXX to my PayPal account as well as tracking numbers providing proof he signed for them himself and pictures he ent me stating he received the boxes. The Bank the. Told me by XXXX signing this fraud form due to their ACH rule they will take their customers word that they are telling the truth regardless of the evidence I have proving he has my items and my money. On XX/XX/XXXX Paypal withdrew {$2700.00} from my account without my knowledge or consent. And oddly enough my paypal account does not reflect this withdrawal of the {$2700.00} in my PAYPAL balance. Paypal owes me {$2700.00} to reimburse what they took.
Consumer complaint received 2018-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Over a year ago I went into the process of looking into the details of my credit more closely to prepare to eventually purchase a house. I saw an account for a credit card that was apparently opened up, and maxed out. The total reported from the collection company was {$490.00}. I contacted the company- XXXX XXXX- and they sent me a report of the details of the transactions. I saw that the card was only used strictly for cash advances- and when there were no more funds available- the card went unused and eventually closed. Getting the details of how the card was opened, and where it was sent to- it was disocvered that it was sent to the address I was living at previously with my ex-girlfriend- where she at the time still lived. She had access to all my information and based off the the details it appears that she was the one that opened it and used it for cash advances. Since I had proof I no longer lived at that address- and knew that I did not open that account- I filed a police report on XX/XX/2017. On XX/XX/17 I received information from the XXXX Police Dept that my report was approved and would be investigated. I confirmed with the Financial Crimes Unit today that it is still being investigated. However, even after submitting a police report to XXXX XXXX, and formally disputing it online- it still appears on my credit report and I would like it to be removed.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I reached out to each of the three credit bureaus by mail on XX/XX/XXXX, regarding the XXXX XXXX XXXX account XXXX. I asked each of the bureaus to investigate this account because I saw inconsistencies on the payment histories across each of the bureaus. The three bureaus conducted investigations and got back to me in writing concluding that all of the information concerning this XXXX account is accurate and verified by the creditor. 

Still, the credit bureaus continue to report inaccurate information. For instance, XXXX reports this XXXX account as being XXXX days late on XX/XX/XXXX, which is different from Experian reporting 180 days late on XX/XX/XXXX. The Experian report indicates that the account was CLOSED on XX/XX/XXXX and the other two bureaus do not indicate as such. Moreover, XXXX does not list any payment history at all for this account. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), once inaccurate information is identified, the credit reporting agency shall delete the information from the consumer 's file.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I applied for a loan with my bank and find out that there has been a freeze or fraud alert put on my accounts with experian and XXXX. I contacted both reporting agencies and they said the I or another credit reporting agency requested to have this fraud alert placed on my credit and they refuse to remove it without sending a complicated letter including tremendous amounts of information making it extra difficult for myself to access my credit. Why they do this I am not sure but from my research this is happening to alot of people. 
Really all I want is the freeze or fraud alert removed from my experian and XXXX credit reports. 


Thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (FL)

I have reported charges that were fraud on my credit card from XXXX and made a dispute with XXXX XXXX which is through XXXX XXXX and they stated an investigation would take 30-60 days and nothing has been done with taking these charges off my account. This credit card company has been charging me late fees on this account when they do not belong to me since i never made these purchases. I am disputing this account since I have now closed this and want to find remedy in the credit card company zeroing out this account since they never completed an investigation
Consumer complaint received 2022-07-08
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: ENCORE CAPITAL GROUP INC. (IL)

Please help all my Consumer Rights has been Violated. 

15 USC 1681b ( 2 ) In accordance with the written instructions of the Consumer to whom it relates 15 USC 1681A Respect for the Consumers Right to Privacy 15 USC 1681O Civil liability for negligent noncompliance 15 USC 1692C Communication in connection with debt collection 15 USC 1692D ( 2 ) Harassment or abuse 15 USC 1692E ( 2 ) ( A ) Fale or misleading representations
Consumer complaint received 2018-09-12
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. (CA)

My initial concern was that the point of filing for my ssn appeared to be incorrect when I was attempting to initiate a login for medical information, which prevented me from being able to access that information. The questionnaire indicated that it was using information from Experian. Subsequently I logged into the Experian website to attempt to correct the information, however since this was an ssn related issue, the website indicated I should call a toll free number, on doing so, I was provided a long dialog, but no way to communicate with anyone. When reviewing information on the Experian website, I also found that there was an additional ssn associated with my information. I would like to correct this, however it doesn't appear that Experian is even interested in communicating with the people whose lives they are disrupting.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
Please see below the summary of the accounts that are needs to be correct or update immediately. 
DPT EDXXXX XXXX XXXX {$11000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$3100.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$18000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$2100.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$10000.00} XX/XX/XXXX DPT ED/XXXX XXXX Balance {$5600.00} XX/XX/XXXX DPT EDXXXX XXXX XXXX {$8000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$4200.00} XX/XX/XXXX DPT ED/XXXX XXXX Balance {$940.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$6900.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$10000.00} XXXX XXXX, XXXX DPT EDXXXX XXXX Balance {$6200.00} XX/XX/XXXX DPT EDXXXX XXXX XXXX {$16000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$14000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$6200.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$4100.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$3400.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$11000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$25000.00} XX/XX/XXXX 2007
Consumer complaint received 2022-03-08
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. (MI)

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
Please see below the summary of the accounts that are needs to be correct or update immediately. 
XXXX XXXX XXXX Balance {$11000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$3100.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$18000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$2100.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$10000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$5600.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$8000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$4200.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$940.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$6900.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$6200.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$16000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$14000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$6200.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$4100.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$3400.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$11000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$25000.00} XX/XX/XXXX XXXX
Consumer complaint received 2019-04-23
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)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account numbers XXXX. ( Please see pages 14 and 15 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-04-23
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. (IL)

I initially contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX in order to get this debt they are claiming I owed, validated. XXXX XXXX sent me back a letter simply stating that " the debt had been validated '' however none of the previously requested information was sent to me, copies of original bills/statements, payment history and reporting dates, method of verification, bonding agent info, and no wet ink signature from their company 's representative. Additionally the statement they sent me to " validate '' the debt had specific, detailed medical procedures which is obviously against the law and not in accordance with HIPAA privacy laws. On XX/XX/XXXX, I requested that they send me the original detailed bill from the creditor, signed HIPAA notices, contract between Regional recovery and the creditor, and anything that I signed releasing my medical information to them- to which they have still not complied.
Consumer complaint received 2022-07-08
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: Experian Information Solutions Inc. (FL)

I received alerts on my credit report. When I check my report I don't recognize the listed inquiries. XXXX XXXX XXXX XXXX XX/XX/22, XXXX  XXXX XXXX XX/XX/22, XXXX XXXX XXXX XX/XX/22, XXXX XXXXXXXX XX/XX/22, XXXX XX/XX/22, XXXX XXXX  XX/XX/22 XX/XX/22, XXXX XXXX XXXX XX/XX/22, XXXX XXXX XX/XX/22, XXXX  XXXX XX/XX/22
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

File # XXXX I am no longer responsible for this account yet it still appears on my Transunion credit report. It has been removed from XXXX but not Transunion.
Consumer complaint received 2022-06-15
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. (FL)

My bankruptcy has been discharged for over 7 years and should not be on my credit report any longer. Also, I pay all of my bills on time but there are XXXX collections that are very harmful to my rating. I paid over XXXX dollars to cover my deductible, co-pays and max yearly out of pocket, yet these collections are destroying my credit. Please look at my credit report and fix all of these areas. I can provide documentation supporting my claims. What is happening to me should be illegal if it isn't already. Thank you
Consumer complaint received 2018-09-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

i do not recognize the account " XXXX XXXX '' represented by Portfolio Recovery. Previous research indicates this charge was initiated in Florida. I believe this account belongs to someone bearing a similar name to me. I do not have knowledge pertaining to this account. I don't know if it is a credit card, a store card like XXXXXXXX XXXX or XXXX XXXX, or personal bank or revolving charge account. I've filed a complaint with XXXX  and it was removed by the credit reporting agency to my account. I filed a complaint with XXXX today. Discrepancies are date opened XX/XX/XXXX, date of last payment I never made XX/XX/XXXX. Date of first delinquency XX/XX/XXXX and date reported XX/XX/XXXX.
Consumer complaint received 2018-09-12
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. (GA)

XX/XX/XXXX Equifax received a fax from from 29 pages long which pertained to Identity Theft. I faxed over my police report, identity theft affidavit, proof of identity, list of accounts to be blocked due to identity theft, and a copy of 605 b rule. They did not block accounts in 4days they just disputed the items XXXX and XXXX  blocked the items from my credit profile
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NC)

I was in a forbearance period due to COVID-19. As soon as I was able, I contacted the mortgage company which at the time was XXXX XXXX XXXX to request a loan modification. I received the paperwork, it was acceptable and I signed and had notarized all of the documents. In the meantime, I received some correspondence from Community Loan Servicing that they had purchased my loan. I didn't care as I was told they would honor the agreement I had signed with XXXX. I spoke with tons of representatives over the course of time trying to find out who I was supposed to pay, how much, when due, etc. but got the same response every time that they were working on it. At least six months have passed. Last week I received a loan modification packet from Community Loan Servicing which has been completely redone. The interest rate is higher as is the monthly payment. I had already signed the documents for the forbearance loan prior to my loan being sold. I didn't believe that selling a loan changed the terms. I would like to move forward with the original loan modification that was signed and delivered according to instructions. I don't believe I should be penalized because another vendor took possession of my loan. I didn't have a say in that. Please respond as soon as possible. I'm so worried that if something doesn't happen soon my home may be repossessed. Thank you for your time.