davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

After reinvestigation, the information on my credit report is still inaccurate. 
( Date of Last Activity is inaccurate ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C. 1681 Section ( 5 ) ( A ) Treatment of inaccurate or unverifiable information 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.
Consumer complaint received 2022-05-18
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: CITIBANK, N.A. (AZ)

On XX/XX/XXXX, I received a call from my stepson. He had received a call from the following number XXXX. The caller told him they were trying to get a hold of me and that I had missed a " court date '' and that I was in trouble and that I was in contempt of court and was going to be arrested. 

I called the number and got routed to an individual who said he was with XXXX and XXXX and he was a paralegal. He asked me the number they called, I gave them my stepson 's number and then he asked me if my social security number ( which he proceeded to state ) was correct. I said yes that it was my social security number. He then proceeded to tell me that a process server called me and that they were going to garnish my wages, and put a lein on my property ( in which, he then proceeded to name off the address for my house ). 

I then asked him why and he said that it was for a " Citibank card from XXXX, '' then he " no from XXXX '' and then said, " from XXXX or XXXX. '' He then stated I owed over {$4000.00} and that they would settle for {$2100.00}. He asked me if I was aware of the debt. I told him no I wasn't aware of it. I then stated that the debt likely wasn't valid and regardless, the statute of limitations had run out. He then stated " there is no limitations, we are going to garnish your wages and going to put a lein on your house in XXXX XXXX, the County will be sending you that .... keep running... go ahead keep running. '' At that point I wasn't going to be harrassed any longer and just hung up the phone.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-05-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (WV)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-11-20
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: Credence Resource Management, LLC (MS)

Today, I received a notification that a new collection had been added to my credit report. I have just had this collection removed from my credit report under a different company, XXXX XXXX XXXX  ( Complaint # XXXX ), and before that from another company, XXXX XXXX XXXX XXXX XXXX ( Complaint # XXXX )! Both of the complaints resulted in a deletion, and I have attached the documentation from the company verifying these deletions. Now, it is showing back up under Credence Resource Management, even though each time companies report it, they can not verify the information. I will be including Credence Resource Management in this complaint and a separate one for a debt collection violation. 

As for the current situation, 611 ( 5 ) ( b ) ( i ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), requires the companies that furnish the data to verify the debt when it is reinserted, which did not happen in either of the previous cases. Likewise, 611 ( 5 ) ( B ) ( ii ) - ( iii ) require the credit reporting agency provide a notice letting me, the consumer, know of this reinsertion. Two other companies have provided letters deleting the debt due to the inability to validate. However, this did not occur in the previous case, and likely is not going to occur now.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (FL)

In accordance with the fair credit reporting act XXXX  account has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B A creditor can not treat a payment under aN open end consumer Credit plan as late For any purpose
Consumer complaint received 2022-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A & O Recovery Solutions, LLC (CT)

This company is a fraud, they seem to be praying on people. I have asked for the reason if this bill and who they are to prevail they continue to send me threats of balance they say I owe them. I do not know who this company is I don't owe them anything. Theses people should not be allowed to do this I want this removed from my credit remove immediately. Please investigate the people and their tactics. I have node what thesis for. 

They preying on people who will send them money.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (NC)

I will like to request a security freeze and address update on my file. The correct mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-29
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)

TransUnion has failed to validate the accounts listed on my consumer credit report. TransUnion has failed to provide a full credit file as well as a corrected consumer credit report. 

I did not give TransUnion written instruction to furnish my personal information to anyone. 

I would like to request a full file disclosure. 
Additionally, please verify, reinvestigate and send the credit file for the following accounts listed below on my consumer credit : 1. XXXX XXXX XXXX XXXX Docket # : XXXX 2. XXXX XXXX Acct No. XXXX 3. XXXX XXXX XXXX Acct No. XXXXXXXX 4. XXXX XXXX  XXXX XXXX  Acct No. XXXX 5. XXXX Acct No. XXXX 6. XXXX Acct No. XXXX 7. XXXX Acct No. XXXX 8. XXXX Acct No. XXXX
Consumer complaint received 2021-10-29
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: Bread Financial Holdings, Inc. (IN)

I just had these two companies pop up on my credit for credit cards that I dont own! I havent opened any new accounts in over a year!! Im very upset about this!! I have contacted my attorney about this! These companies are fraudulent and need to be invested!! Pleas remove them from my account! Thanks
Consumer complaint received 2022-05-15
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 — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 1 5 USC 1681 XXXX  Account # XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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 15 U.S.C 1 681c. ( 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 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the Fair Credit Reporting act XXXX Account Name 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 2021-10-29
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. (CA)

Equifax- Mailed letter on XX/XX/21, XX/XX/21 and XX/XX/21 : Several letter sent during the past year to delete XXXX XXXX account because of inaccurate reporting. Account is reporting differently across all credit bureaus. 

XXXX Mailed letter on XX/XX/21 and XX/XX/21 : Several letter sent during the past year to delete XXXX XXXX account because of inaccurate reporting. Account is reporting differently across all credit bureaus. 

XXXX- Mailed letter on XX/XX/21 and XX/XX/21 : Several letter sent during the past year to delete XXXX  XXXX account because of inaccurate reporting. Account is reporting differently across all credit bureaus.
Consumer complaint received 2022-05-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (OH)

On or about XX/XX/2021, we sold our home in XXXX, Georgia. I am an XXXX XXXX XXXX XXXX Veteran, so my family has moved around a lot in the past. We moved from XXXX, Georgia, to XXXX, Georgia while I was on XXXX XXXX, but kept and rented out our home in XXXX. Once I got off XXXX XXXX, my family and I moved to XXXX, Ohio and sold our house in XXXX. We never received the escrow money from our mortgage company, Suntrust from the home we sold in XXXX. I did not realize this until we filed taxes this past year and we needed to get a copy of our XXXX. We learned that Suntrust had been bought by Truist, so we called them multiple times to try and get a copy of our XXXX, and I asked them to see if the check from our escrow was cashed. They said they would submit an investigation request on our about XX/XX/XXXX, and that it would be done on or about XX/XX/XXXX. They said they mailed our XXXX on XX/XX/XXXX. We never received our XXXX, and I called back on or about XX/XX/XXXX to ask for an update on the escrow money. They said that the investigation was complete, and we would get a check for about {$2300.00} in the mail. A few more weeks go by and then on or about XX/XX/XXXX, my husband called Truist again, and they said that they had cut and sent a check on XX/XX/XXXX. As of today, XX/XX/XXXX, the check has still not arrived and we are moving again this coming Wednesday. Every time we call, they say there are delays with the mail, but we never received the XXXX and they have told us at least once before the reason we havent got what we requested was because of processing errors. 

My husband just finished XXXX XXXX and I am in XXXX XXXX  We have two day care aged children. {$2300.00} should not mean anything to Truist, but for our family, thats an entire month of daycare tuition. 

The address I included on this complaint is the address well be moving this Wednesday. The address we gave Truist multiple times is XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXXXXXX ( XXXX, Open Date XX/XX/XXXX, High Balance {$1200.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-05-15
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

I would like all my unauthorized Inquiries, my derogatory remarks, late payments, public record, closed accounts removed. Many Of these accounts fall under the statute of limitations or are misreporting on my credit report. 

( Please remove any and all unauthorized inquiries from my reports as I have No knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings. )
Consumer complaint received 2021-10-29
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. (GA)

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to EQUIFAX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law?
Consumer complaint received 2022-10-13
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. (SC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-05-15
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: EQUIFAX, INC. (FL)

In accordance with fair Credit Reporting act. The lists of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX, STUDENT LOANS XXXX XXXX, AND XXXX/XXXX. Closed account XXXX opened XXXX we now in XXXX still on my credit report. XXXX also open XXXX still reporting negative activity 15 U. S. C. 1681 section 602 A. States a consumer reporting agency can not furnish a account without written instructions. 

15 U.S.C. section 604 A. no consumer reporting agency make any consumer report containing any of 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. 1681c ( a ) ( 5 ) Section States no consumer reporting agency make any consumers to any consumer reporting agency if the person knows or reasonable cause to believe that the information is accurate.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

ChexSystems continues to report fraudulent information associated with a fraudulent address I never lived at, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. This is the address ChexSystem uses to falsely claim the listed fraudulent items are factual. Police reports confirm and validate the noted address as fraudulent. Thus, all accounts listed and associated to that address should be removed. These items include : *Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX *Inquire - XXXX XXXX XXXXXX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX *Inquire XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX  XX/XX/XXXX *Inquire - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX *Inquire - XXXX XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX *Inquire XXXX XXXX XXXX XX/XX/XXXX *Account - XXXX XXXX  XX/XX/XXXX ( XXXX ) XXXX XXXXXXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-10-29
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. (GA)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 42 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Last XX/XX/XXXX I jus received this email from PayPal I've been using this account since mid last year. After a review of your account activity, weve determined that youre in violation of PayPal 's Acceptable Use Policy. Specifically, the sale of unapproved file sharing services. As a result, your account has been permanently limited and you wont be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo , and the PayPal shopping cart.

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive funds. If you have funds in a PayPal balance, well hold it for up to 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including liquidated damages. After that period, well email you with information on how to access any remaining funds. 
If there are chargebacks that result in your account balance falling below XXXX, you will need to settle the amount owed to PayPal to avoid further action. 
Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts Reference ID : XXXX
Consumer complaint received 2022-05-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm invoking my specified remedy as a XXXX XXXX member as the original creditor/consumer. Under 1681i ( 2 ) Prompt Notice of Dispute to furnisher of information before the expiration of the 5-business-day period regarding CFPB # XXXX ; # XXXX and # XXXX.
Consumer complaint received 2022-10-13
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. (CO)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXXXXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX The law of privacy 15 U.S.C 1681 602-4 4. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.