davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NY)

I am a XXXX customer that recently refinanced my mortgage. 
My XXXX XXXX XXXX score is XXXX. 
I applied for a XXXX refinance and on XX/XX/2021, XXXX informed me that my credit was XXXX for the refinance. 

Why is XXXX selling me products based on a XXXX score and informing me that I have a XXXX credit score? 
This deceptive bait and switch is not acceptable and deceitful.
Consumer complaint received 2022-03-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (CA)

In response to Complaint # XXXX : If it is to be assumed that I.C. System was given consent to have my identifying information, then according to 15 USC 1692g, you were required by law to communicate with me before a report is furnished. If this is true, please provide the proper documentation such as a tracking number that shows correspondence was sent before furnishing commenced on XX/XX/XXXX. 

You admitted, " The account information IC System furnished to the credit reporting agencies was provided by the original creditor and has been verified by the credit bureaus ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ", while omitting the credit reporting agencies used XXXX to verify information through I.C. System on those 6 different occasions. This admission is proof that I.C. System is committing aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

If I.C. System can not produce documentary evidence, such as a trilateral contract, of your claim that there is any legal obligation to pay you and if collection efforts continue I will file for litigation for actual damages caused and hold I.C. System criminally liable as well.
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 — Information belongs to someone else
Company: LEXISNEXIS (CA)

I discovered two weeks ago that Lexisnexis -- as part of the Risk Solutions part of their company -- had a report on me that includes information about another woman with the same first and last name, but different middle initial and different social security number. This woman 's financial information is negative and I am in the process of trying to complete a financial arrangement which this information is blocking. I called Lexisnexis to dispute the information. The person I talked to was able to determine the problem by a simple visual examination of the data but said the dispute process would take 30 days. I asked that it be expedited. 

I should point out that none of the information in the Lexisnexis data base is in any of the reports from the credit reporting agencies, like XXXX. 

My immediate concern is the difficulty the inaccuracies are causing me. But in the course of my discussion with the Lexisnexis representative I became alarmed about the quality of Lexisnexis information in general. I was told that the data collection depends on first and last name only ; it isn't even sophisticated enough to take different middle names into account -- much less, apparently, social security numbers. Lexisnexis Risk Solutions describes the product as providing 'powerful analytics tools and targeted solutions that support more informed, more effective decisions '. Nothing about my situation supports this description.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 190 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. '' should be excluded from consumer report. I demand that XXXX, TransUnion, and XXXX remove these transactions from my reports immediately as they are a violation of my rights as Federally Protected Consumer under 15 USC chapter 41.

15 U.S. Code 6801 - Protection of nonpublic personal information Pursuant to 15 USC code 6801 ( a ) ( 1 ) ( B ) ( i ), I did not give my permission to any company to furnish my reports to any consumer reporting agencies.

Pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports, the consumer has a right to prohibit information contained in the consumer 's file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer. 

XXXX, TransUnion, and XXXX have been reporting consumer credit transactions without the consumer 's authority. Congress did not give them authority. Pursuant to Fair Credit Reporting Act 602. ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. 

With all the information provided above for example, XXXX, TransUnion, and XXXX have been reporting without my consent a case that is in XXXX since XXXX. The alleged attorney claims to be representing XXXX  XXXX XXXX and the Trustees. This issue has caused me to be ineligible for COVID Small Business Loan. The max cap was {$500000.00}. I'll be providing this evidence when I am ready to assess actual damages. BUT NOW I AM GOING TO BUY A CAR SO I DO NOT NEED THIS CREDIT ISSUE TO HAPPEN AGAIN.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

The List of accounts below has violated! my federally protected consumer rights to privacy one! confidentiality under 15 USC 1681. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-10-26
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. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Self Financial Inc. (NC)

Self-Financial ( the company ) is furnishing derogatory payment history to my XXXX credit file. I always paid as agreed and closed the account appropriately. Prior to closing the account, the representative from Self Lender assured me that the account would remain in good standing. Now I can not get approved for a mortgage due to this inaccurate reporting. Credit Builder Account ending in XXXX.
Consumer complaint received 2022-03-25
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-05-17
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. (MS)

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX & EQUIFAX DATE OPENED-DATES DIFFER FROM XXXX & EQUIFAX BALANCE- AMOUNT SHOWN AFTER CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX & EQUIFAX LAST REPORTED- DATE DIFFER FROM XXXX & EQUIFAX DATE LAST ACTIVE- DIFFER FROM XXXX XXXX EQUIFAX DATE OF LAST PAYMENT- DIFFER FROM XXXX XXXX EQUIFAX PAYMENT HISTORY- DIFFER FROM XXXX & EQUIFAX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2021-10-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (CA)

I send {$100.00} To XXXX in a Bank. There was a mistake account number. But the money transfer company saying they deposited the money. But they can not show any proof of that. When we talk with local bank, They are saying The Account number & the Recipient name has to match other wise it will not deposit in the Account. I has trying to Explain this to money transfer company but they are not corporations with me. I just want my money back. The money transfer company name WorldRemit. Transaction Number : XXXX. Date XX/XX/21. Amount {$100.00}
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO. (NY)

I am a Chase customer that recently refinanced my mortgage. 
My Chase XXXX XXXX score is XXXX. 
I applied for a Chase refinance and on XX/XX/2021, Chase informed me that my credit was XXXX for the refinance. 

Why is Chase selling me products based on a XXXX score and informing me that I have a XXXX credit score? 
This deceptive bait and switch is not acceptable and deceitful.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (NH)

In XX/XX/2022 I sent a letter to XXXX and XXXX to validate an alleged collection account. I did not receive a response. I then sent XXXX and Experian a validation of debt letter in XX/XX/2022. I did not receive a response from either, but they both updated the comments with it showing dispute resolved.
Consumer complaint received 2022-03-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

On XXXX XXXX2022 I sent a letter to Experian disputing incorrect information concerning Bankruptcies that was being reported on my credit report. The information that was being reported was incorrect and I included in the letter for Experian to send me verification of the source they used to verify the information they used to determine the information that was being reported. On XX/XX//2022 I got a response back through email that the information that was reported was correct according to the source they used. The company did not do what was asked of them and provide the proper source they used to determine that the information was correct.
Consumer complaint received 2022-10-26
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. (NY)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
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. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have filed a dispute in regards to the incorrect item on my credit report. I received a letter from XXXX report # XXXX, showing that Portfolio Recovery Associates was deleted from my credit report. I checked my credit report and Portfolio Recovery Associates still show as a negative item on my credit.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been trying to get inaccurate and untrue information off my credit report since XX/XX/2021. I have sent in letters dated XXXX, XXXX, XXXX, and XX/XX/2021 and the only one that has removed my information is XXXX. I have received no replies from anyone else. This is a violation of the FCRA. They have had more than 45 days to remove.
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (PA)

I received a debt collection notification from XXXX XXXX XXXX in the mail, asking for an amount of {$17000.00}. The address was mine, but the addressee was a company called XXXX XXXX XXXX XXXX, which I have never heard of until today. I have not made contact with them, as I have no trust that XXXX is a legitimate debt collector, instead choosing to immediately file this complaint so the matter can be investigated properly.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Paramount GR Holdings, LLC (NJ)

XXXX XXXX XXXX I used and referred to my co-worker. They said he needed a co-signer. Then, they said he was good. I never signed anything. XXXX XXXX  people, XXXX and XXXX, signed my paperwork for my Panels. They signed my name as co-signer. I only realized cause my co-worker had problems with Panels and XXXX XXXX didn't fix it. So he stopped paying. That's when I get a notification that it's on my report. Co-worker currently has lawyer going after them and loanpal aka Goodleap. The loan company is now calling and emailing me to pay balance. I told them what happened and they are still coming at me. I just got email offer to pay {$52000.00}.
Consumer complaint received 2019-11-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (TX)

I received an email threatening to sue me over an unpaid pay day loan. They have threatened to take legal action before it is even filed. Refer to the attached document and to comeplaint # XXXX on which it is plainly stated that I was put in the companies do not contact list. They have broken that word to me and to CFPB. Please see attached document.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-09-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

Each time I make a payment, the payment comes out of my bank but is not applied to my account for weeks. The Menard 's Contractor Card with Capital One is terrible. I paid my balance of XXXX on XX/XX/2019. The money left my bank account on XX/XX/2019. As of XX/XX/2019 the payment has not been applied to my credit card.
Consumer complaint received 2019-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (IL)

I transferred money from my bank account to my PayPal business debit card and my bank shows the funds were taken ( XXXX ) $ but PayPal says the transaction is still pending when my bank says they released the funds to PayPal already. PayPal says it should be in my PayPal account by the XX/XX/2019 and upon checking it was not there. I am being bullied by PayPal cause they know I need my money. They keep trying to withhold my money from me by making it appear that my bank never released the funds when they did Already and my new balance reflects this.
Consumer complaint received 2021-07-21
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. (TX)

Transunion is continiung to report closed accounts that are not permitted to be on my account because i never gave them permission to have my information in writing. This is identify theft to house my information without my written consent. They also didnt respond to my invoice for damages.
Consumer complaint received 2022-03-25
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. (AL)

These addresses below are outdated! XXXX XXXX XXXX, XXXX, AL XXXX. 
I have asked the credit bureaus to remove the address from my personal info and they refuse to update my report