davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-03-23
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. (NV)

I do not recognize the following hard inquiries. I did not authorize any of it. I attempted a few times to remove it with the credit bureaus but they wanted me to file for an official legal document. 

1 - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Inquiry date : XX/XX/ 2021 2 - XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Inquiry date : XXXX XXXX, 2021
Consumer complaint received 2022-05-16
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. (CO)

There has never been any missed payments on my credit. XXXX had a system glitch and didnt process a payment. My credit went from XXXX to XXXX and i nor my mother XXXX XXXX has ever missed a payment
Consumer complaint received 2022-03-23
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. (NJ)

I have written letters to Experian now twice about things I saw on my report that were not right. Now I'm frustrated and stressed and read through some stuff online that they were supposed to get back to me in 30 days or take the items off. I need this stuff taken off now as it has caused me alot of stress and I'm trying to buy a house.
Consumer complaint received 2021-10-27
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (MI)

I have an issue with Binance.US about 5 months of a charge back which I owe them I paid them back the money and try to withdraw my money from their platform since XX/XX/2021 I have done all the verification needed but there still wont let me get my money all I need is my money I have up to {$4900.00} in there 2 months ago the account was lock while there were trying to fix the withdrawal issue now I cant login to the account again as at this moment I have also done all the verification and provided all the documents required but there dont want to reply my mails Any more I am currently on debt because of Binance.US
Consumer complaint received 2022-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (IA)

In XXXX I received a letter from my county saying my tax was delinquent and that my home was going to be sold due to a tax lien ( See Attachment XXXX XXXX XXXX notice front ). 

On XX/XX/XXXX I called the county tax office to figure out what was going on. When I investigated with XXXX XXXX, they said the last payment they received was on XX/XX/XXXX, and that they never received the XX/XX/XXXX payment. This is corroborated by the information on their website for my property, which is Attachment XXXX XXXX county current tax bill. 

The county said to contact the bank since they never got it. 

My mortgage recently was transferred to another servicer. 

The first servicer was Plaza Home Mortgage XXXX. In their account, they show my escrow balance as XXXX. This makes sense as the mortgage was transferred at some point earlier this year. Bit they also show an ambiguous escrow payment `` County Tax '' on XX/XX/XXXX in Attachment XXXX, plaza payment. It's clear this money was debited from my escrow. 

The second servicer is XXXX XXXX, and when I checked their escrow, there is no way near enough money in escrow to have made that attempt and no record of them making a payment. ( Attachment XXXX, new loan escrow ) So based on these findings I contacted Plaza Home Mortgage for resolution also on XXXX XX/XX/XXXX, at their customer service number XXXX. I spoke with a lovely lady named XXXX. She directed me to send an email to XXXX with my loan number and the words " Attn : Tax Department '' in the subject line, and advised that someone would contact me about that in 24-48 hours. 

I did so immediately, detailing the case much as I have here with attachments. 

It has now been over 4 days since I contacted them in the manner in which I was instructed and have received zero acknowledgment. I am concerned for my home, so I have made this complaint.
Consumer complaint received 2022-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have new and updated information concerning TransUnion. I have previously complained of TransUnion 's illegal conduct under ID # XXXX. TransUnion has failed to conduct their required investigation in accordance with federal laws, specifically within 30 days ; and failed to delete items in accordance with my written instructions. TransUnion is in violation of my rights as a federally protected consumer.
Consumer complaint received 2024-03-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (CA)

I received notice from Mohela in XX/XX/XXXX that my loans were forgiven under the PSLF program. I made a total of XXXX PSLF qualifying payments and reached XXXX payments in XX/XX/XXXX. I am entitled to a refund of payments made after the XXXX payment in XX/XX/XXXX. I made payments from XX/XX/XXXX through XX/XX/XXXX. I ascertained this information from my own records and from the records that were available on the Mohela website prior to them processing my forgiveness in XX/XX/XXXX. I recently got a notice from Mohela that my loans were forgiven as of XX/XX/XXXX. This date is incorrect. My discharge date should have been when my XXXX payment was made ( XX/XX/XXXX ). I have called Mohela and Federal Student Aid several times to get this corrected and make sure my account is triggered for a refund review. They have not been able to answer my questions. Mohela sends me to FSA, FSA sends me back to Mohela, Mohela then says its the Treasury Department and they have no information. Mohela also has not corrected the discharge date. I asked for a complete listing of what they have on record for my PSLF qualifying payments because I can not access it on the website any longer and I want to make sure that is correct since the discharge date is not correct. I have not received this information. Can you please help me to get the correct discharge date and help me with getting the refund of the payments I made from XX/XX/XXXX to XX/XX/XXXX. Thank you.
Consumer complaint received 2022-10-27
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. (TX)

Delete late payments from XXXX XXXX XXXX XX/XX/XXXX through XX/XX/XXXX. Your company is in clear violation of the law under 15 USC 1681b - Permissible purpose of consumer reports the law Clearly states. b ) in General subjects to subsection c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) in accordance with the written instruction of the consumer whom it relates. Did I give you written instructions on my credit report? A ) Subject to section 1681s-3 of this title and ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. Failure to respond satisfactorily with deletion of the above referenced account and send out a deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actins being taken against your company for which I will be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of identity fraud 3. Fair debt collection practices act 15 USC1692g violations 4. Fair reporting act 15USC 1681 violations for willful noncompliance -616 Civil liability for willful noncompliance 15USC 1681n Best Regards, XXXX XXXX
Consumer complaint received 2023-07-18
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)

During this disputing process, reporting agencies has failed to comply with 15 USC 1681a and 15 USC 1681b by not maintaining the proper response times and actions to all disputes.

After their proposed verification of these fraudulent accounts that has been disputed as not mine came back as verified. We demanded a validation under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) where under federal law, all accounts had to be provided with PHYSICAL proof of the original consumer contract with my wet signature on it. That has not yet been provided following our letter on XX/XX/2023. 
I want to be clear I am not claiming these accounts as my own because they are not. I am not requesting to update these fraudulent accounts. Since they are pinning these fraudulent accounts as mine, they are required to VALIDATE these accounts outlined in 15 USC 1692g Sec 809 ( b ) of the Fair Debt Collection Practices Act. Currently, the bureaus are reporting items that I have not given written consent to report. In fact, the items highlighted violate my rights under 15 USC 1666, 15 USC 1681 B, and 15 USC 1681 a-2. In fact, your comment claims you have shared my information and charged it off to a collection agency without my written consent.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc. (CA)

I paid off my Prosper credit card account 3 months ago. XXXX continues to report this account with a full balance of over {$1600.00}. I have disputed this information XXXX with XXXX and they continue to leave the report as is. I am not understanding why XXXX can not report accurate information. Again, this account was paid off 3 months ago : there is no reason why XXXX can not update the account information on my credit report. I am trying to obtain a home loan, and XXXX is preventing me from doing that. What will it take for XXXX to update this report and provide accurate information. This is my second incident with XXXX in just under a month. If they can not update my account as they should, then I will need to seek legal representation. This is rediculous. They are in the business to report accurate information, and if they can't do that, then why are they in the business. It's strange that when someone uses their credit card for a purchase, XXXX and other reporting agencies, quickly react and send an alert and subsequently lower your credit score. On the other hand, when someone pays off their credit cards ( which is a more positive thing ), it takes months and months for the credit reporting agency to reflect the payment. What is wrong with this picture?
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Some one gained access to my prepaid bank off America account and spent XXXX $ I filed a claim at the begging of last year I was told I would recieve provisional credits nothing ever happend my claim was closed. Then I received and email saying they wanted to re open my claims, Still have not received the funds stolen from my account. I am the victim here I would like my money to be put back into my account in a timely manner my claim numbers are # XXXX XXXX # XXXX XXXX Bank of America phone number is XXXX Please help me
Consumer complaint received 2017-08-21
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. (IL)

I have 3 times explained to transunion and XXXX about INQUIRES on my record that i fid not place and there was a fraud alert on file! They are refusing to remove them even after i sent 2 letters after i called them about the same matter!! They keep saying it is coming back verified but have not produced documentation. Im well aware of the federal case state law that says consumer reporting agencies bear grave respondibilities to ensure accuracy of accounts they report on and and its there responsibility to say more than parroting information recieved from the other source! They have ignored my request to send me documentation in there fes that they used to verify and validate!! And under section 611 ( 5 ) ( A ) of the FCRA they were to promptly delete the inquires. Negligent compliance section 617 is civil liabilty law. And im a litigious consumer and fully intend on pursing litigation if this matter is not taking care of asap!! they have the names of all inquires into which im referring and this needs to be done asap.
Consumer complaint received 2022-05-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (IL)

The debt collection company ( Cavalry SPV I LLC ), sent unidentified individuals to my address on XX/XX/2022 and told my landlord about my debt and that they are going to arrest me on this date. My private debt matter has become public knowledge. 

When I requested any information to prove any account with Calvalry SPV I LLC the company sent to me documents in a unmarked envelope that did not prove any debt or account with them. Cavalry SPV I LLC, has been by my home several times over the course of a year, which lead me to believe their agents are watching me. The landlord had her XXXX  in the front of the house playing, while these unidentified men come looking around for me, the child is XXXX years old she now believes that I may be a bad person, because these men are looking for me. 

The agents told my landlord that they are going to sue me and that XXXX be taken to jail, over a debt they have no proof I owe to them at all. Its causing my landlady to be under the impression that I have committed serious crimes that I may be involved in a more serious matter aside from debt. 

These agents have come to the house many times, unidentified and threatening to put me in jail and to sue me. My landlord is not feeling safe to go and come as she pleases, which causes my living situation to be fragile, because theres no trust any longer. The landlord now knows about my private debt, because of the conduct of these vicious agents who keep coming by my house and telling her. They try to coax her into feeling unsafe, and she does. These men, who continue to show up and threaten to take me to jail and sue me makes my landlord uncomfortable. My debt has become public knowledge because of their conduct.
Consumer complaint received 2022-03-23
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX Account 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 2017-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

this company National Credit System is reporting on my credit for a debt I do not owe I have sent them paper work along with my ID with my name and dob that do not match what they are reporting on my credit file and they are still reporting on my credit report for {$360.00}. I have also tried contacted the original company who is no longer existing National Credit System can not provider proof that this debt is mines.
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (TX)

Last XX/XX/2022 I spoke with a director named XXXX XXXX ID # XXXX to ask you to forgive me interest for an amount of {$430.00} originated by a purchase that was not paid at the time of the promotion I told him that if he paid the balance owed on that purchase, which was an amount of {$1000.00} could you forgive me interest. 

The director told me that of course yes, that it was a pleasure to do negotiation, and pay at that time {$1000.00} He told me to talk in two or three days so that they could forgive me the interest of {$430.00}. That he was going to leave notes in the system so that the forgiveness could be made. 
I spoke three days later and they told me that I was in the system, but that the cut-off day was going to be automatically reflected, which was XX/XX/2022. 

I spoke on XX/XX/XXXX because the interest credit was not reflected, but they told me that they were having problems with the system. 

Today, XX/XX/XXXX, I have spoken with 5 representatives and three of them tell me that the system does not allow them. I asked them to speak with XXXX XXXX XXXX and they tell me that they can not communicate with him The last two of the representatives left me on the line and hung up on me. 
I consider it disrespectful that I have paid the balance as was the agreement and now Barclays bank is not doing its part. 

I ask you please help me with this. 
Because my payment implied a decapitalization, and more in these times of lack of employment. 
I have never had delays in my account and I consider that they made fun of me
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (NJ)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these errXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-16
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 ()

Hi good day! I've been using PayPal since last year but everything is running smoothly not until last week XX/XX/2022. Iv receive email that I can no longer use PayPal it never explain what's my fault. As this was my medium of payment as online freelancer. Ive tried to contact PayPal but representative said to be its can not be restored anymore. I have discovered how much of an inconvenience not having PayPal and I really appreciate If I can be given another chance. No longer being able to use PayPal has largely affected my life in so many ways especially this pandemic it is extremely difficult for me conduct with out PayPal I am very desperate to have my PayPal account back as it benefit me a lot. Once gain I'm begging you for humanitarian reason especially this pandemic time please grant my request. Hoping for your kind consideration Thank you very much
Consumer complaint received 2022-03-23
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX Account 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 2022-03-23
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX Account 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 2022-03-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a certified letter to TransUnion on XX/XX//2022 concerning my score change and, the disappearance of my credit history, although all transactions was done with the same financial institution, I have not heard from them as of yet.