davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Collection Service Inc (GA) (AL)

I went into XXXX XXXX XXXX Ga to rent a apartment. We was not able to see the apartment before we put the first months rent and deposit down. We was told it was not ready but if we didn't pay our deposit and first month rent that it would be rented to someone else cause there is a wait list. Just looking at the area Thinking it was a nice area, I thought I needed to do what I was told or I would lose the apartment. After I moved into a apartment complex that I was told was a wonderful country living and quiet atmosphere the problems began. There was drug deals going on at the bottom of my apartment and all thru the neighbor hood. people would smoke pot all in the walk ways. We complained but was told there was nothing they could do to call the police. we put cameras on our patio facing the parking lot where our trucks had been vandalized and scratched up. One vehicle from neighbor was actually stolen. then people would shine lasers at our cameras to try and destroy them. WE paid {$770.00} a month rent with a {$300.00} security deposit and a {$450.00} total pet deposit. we paid on time every month despite the horrible and most times scary conditions we had to live in. Then the XXXX started I have been hospitalized from XXXX XXXX XXXX XXXX and the vents were very old and full of dust thru the vents. We asked if maintenance could come by and clean the vents and check the duck works. When they came the outside was just wiped down nothing was fixed they went in the apartment when we was not there and when we returned we popped the vent cover off and it was just thick with black stuff and dust. toward the last few months it had rained a lot and the ceiling was leaking and had water stains thru the ceiling and I'm sure mold in there also as I was on 3 different XXXX XXXX at this point. We called the office who sent maintenance who we figured out had just spray painted the water stains on the ceiling with white paint cause everything just bleed right back thru. we made it up until the last month and I just could not breath in that apartment or live there any more. The only damage that happen was Two spots in the carpet from my dog that I really didn't want to have in a apartment but felt needed some kind of protection so had to have. Anything else was from there lack of them actually fixing any other issues. I have let this go and have this ding on my credit now cause I was rented a apartment under false pretense and could not physically stay in that apartment any longer. I was recently given this website to try and rectify the situation and hopefully it does not happen to anyone else. But I refused to be blackmailed after everything I had to go thru at this complex
Consumer complaint received 2022-10-21
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: EQUIFAX, INC. (VA)

There are 4 things as well as inquiries on my credit report that are not mines. I have disputed these things by letter and through the credit report company XXXX. I would like these things to be taken off my credit report.
Consumer complaint received 2022-10-21
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: NAVY FEDERAL CREDIT UNION (VA)

There are 4 things as well as inquiries on my credit report that are not mines. I have disputed these things by letter and through the credit report company XXXX. I would like these things to be taken off my credit report.
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (AL)

in accordance with the Fair Credit Reporting act 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 2022-08-26
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. (TX)

As of XXXX XXXX Equifax is showing I have a balance of {$4900.00} on my credit report from XXXX XXXX This is not a true statement, XX/XX/2022 XXXX was paid on this account As of XX/XX/XXXX the balance is XXXX I did not owe anything to XXXX XXXX Not one dime and they refuse to update my credit report I made a call to the company and the worker stated he could not pass the call on to a Manger and my account could not be updated
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (CA)

On Thursday, XX/XX/XXXX, I went to a cafe at XXXX XXXX XXXX in XXXX XXXX, CA. I needed cash to buy food, so I used the ATM located inside the cafe. I put my card in, did the transaction, and for the machine to dispense the money, I needed to take the card out, but because my nails were too long, I couldn't get the card out, so I asked the manager, but by the time he came over to help the machine timed out and no money was dispensed. I stood there and did the transaction again with the manager 's help, and it then said insufficient funds. I called the number on the ATM, they said it was the bank holding the funds ; they had nothing to do with the money ; their just providing the ATM service. I then called Chime, and the first three representatives weren't helpful, which upset me. I was not without money, no way to pay for the food I ordered and no way to put gas in my car to get home which left me stranded ; all of this left me embarrassed and humiliated. The fourth representative I spoke with told me to send in the receipts, which I did, and she filed a dispute. I did what she asked and called back Monday, XX/XX/XXXX, to find out no dispute was filed, which again XXXX me off. The representative saw the receipts, read the notes, and filed the dispute for me. I received an email the next day that said : We take disputes like yours very seriously, and we'll be in touch as soon as possible with an update on your case. I completely understand the inconvenience you are experiencing. We are working to resolve your case as quickly as possible. Based on the nature of your claim, we will complete the investigation no later than XX/XX/22. We will notify you by email as soon as the investigation is completed. I was livid, XX/XX/22 is 3 months. I have never experienced this, this is unheard of, beyond ridiculous, and unacceptable. A simple mistake of not taking my card out ; I work hard for my money, we are in the middle of inflation, and they're stealing from people. I need my cash.
Consumer complaint received 2022-05-04
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)

To remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is not supposed to share my information with third-party people. This is a clear violation of my federally protected consumer rights.
Consumer complaint received 2018-04-26
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: General Motors Financial Company, Inc. (IA)

My wife and I paid off our loan with XXXX XXXX in XX/XX/XXXX they have not reported since XX/XX/XXXX and they have not showed the pay off of the vehicle it is now the end of XX/XX/XXXX I have contacted them three times last 60 days they give me the runaround and said they are having computer problems since XXXX it was a {$31000.00} loan that was paid off on time and I had a schedule but with them not reporting anything It looks like I still all that money
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (UT)

This letter is to dispute the accuracy of the below listed accounts. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge this questionable information on my personal credit report.

Attached is a copy of my 3B credit report showing XXXX student loans being reported by your servicer. Upon examination of the attached 3B credit report you will see there is a plethora of inaccurate, incomplete and missing information being reported across all three credit bureaus. This is a violation of my rights under the Fair Credit Reporting Act. I demand that you fix all incongruent information immediately and report identical information to XXXX, XXXX and XXXX. Please fix the following for each account : last updated, balance, all payment history, closed date, last activity, terms, scheduled payments, account number and comments. All information should be identical across the three-credit reporting bureaus. 

Thank you for your immediate attention to this matter. I look forward to seeing this information update promptly.
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

I checked my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancy : XXXX XXXX XXXX XXXX FL/ {$1000.00} / XX/XX/2022
Consumer complaint received 2019-11-18
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resource Management Group (FL)

I RECEIVECED A CALL TODAY FROM RESOURCE MANAGEMENT GROUP XXXX. XXXX XXXX XXXX North Carolina, XXXX, CALLING ME IN AN ATTEMT TO COLLECT THIS PAYMENT, THIS IS THE 3RD COMPANMY 2 CALL ME PERTAINGING TO THIS DEBT WHICH HAS BEEN PAID SINCE XX/XX/XXXX OF THIS YEAR, THEY HAVE SOLD THIS DEBT SEVERAL TIMES, AS WELL, AS THEY ALL HAVE MY DATE OF BIRTH LAST FOUR OF MY SOCIAL SECURITY NUMBER, I HAVE ASKED THEM TO CEASE THE CALLS, CEASE SELLING MY INFORMATION AS IT IS A VIOLATION OF MY RIGHTS, I AM AN XXXX VETERAN SUFFERING FROM XXXX THIS IS CAUSING ME EXTREEME XXXX XXXX, PLEASE HELP
Consumer complaint received 2022-10-21
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. (WA)

Per XXXX XXXX XXXX - Experian, XXXX and XXXX have not fulfilled their obligations in investigations per 15 USC 1681a ( 1 ) ( 2 ) ( 3 ) ( 4 ). During their neglect in completing these investigations in the disputes that have been made, I have received adverse actions and have been discriminated against due to inaccuracies, false reportings & misuse of my assumed consumer report. There has been no thorough investigations nor thorough reinvestigations pursuant to 15 USC 1681i by any of these credit reporting agencies, which places them in violation of 15 USC 1681n. There is no proof that I have given them written or verbal consent in reporting anything on my assumed consumer report or to furnish an assumed consumer report with some of my private personal information that was obtained fraudulently. This is in violation of my rights as a consumer and I demand this to be rectified. They have deleted " chosen '' false information that was previously on my consumer report, however, are continuing to furnish items on my assumed consumer report that negatively impact my rights as a consumer without any just investigation, reinvestigation or explained verification that they verified the information is correct. They are wilfully denying my right as a consumer, and are therefore acting wilfully unlawful and are federally due to be held accountable. 

A link is provided via the source of their fraudulent and unlawful activities ( lack thereof ). 
XXXX XXXX XXXXXXXX
Consumer complaint received 2018-10-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I filed for Bankruptcy in XX/XX/XXXX I converted my Chapter XXXX case to a Chapter XXXX and I filed a motion to dismiss my BK case and it was approved. I have never had an account with XXXX XXXX   XXXX XXXX nor have I ever heard on this company. Portfolio Recovery is trying to collect money from me on this account. They put a collection activity on my credit report with the date of XX/XX/XXXX when clearly at this time I was in Active Bankruptcy which means under Title XXXX of the U.S. Bankruptcy code they are in violation because the Trustee for my case made payments to all of my creditors and this company was not listed as my creditor. They bought this account from a lender to try to get the debtor to pay when I live in the State of Maryland and the STATUTE OF LIMITATIONS has expired to collect on this debt. I contacted them and told them this and they changed the date to XX/XX/XXXX I had no luck disputing this with the credit bureau. I want this collection removed from my credit report because it's illegal for them to try to collect on an expired debt this is the 4th collector that I have told this too and this company decided to place this collection on my credit report I want it removed from all 3 of my reports. Collection Agencies should not be allowed to treat any body in this way. I have documentation to prove on XX/XX/XXXX my attorney had already filed a motion to start my Bankruptcy proceedings and no collection activity was in effect when you file Bankruptcy they are not allowed to call you or try to collect on a debt when you are in an active Bankruptcy case which I was. I am hopeful that you will assist me with this urgent request.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2022-06-15
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: United PanAm Financial Corp. (AZ)

XX/XX/2021 united auto credit co made an inquiry that was unauthorized by me I contacted them and they told me it will be removed within 30 days It has been 120 days and it is still on the report. 


XX/XX/2021 XXXX XXXX made an inquiry that was unauthorized by me I have been unable to contact them at all to talk about why it has happened.
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancy : XXXX XXXX XXXX XXXX FL/ {$1000.00} / XX/XX/2022
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: EQUIFAX, INC. (MI)

Equifax is showing the following Inquiries on my credit report, I have reached out to them asking for a full investigation and proof that these in fact belong to me and i have yet to hear from they its been over 45 days i just want them removed from my credit file if there is not proof that i submitted my information for credit with these companies. 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 2022-06-15
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: EQUIFAX, INC. (CA)

I purchased a copy of my report in XXXX  dated XXXX and I found out that Equifax still indicates my dispute of information in my credit report. As of todays date, Equifax has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX  XXXX because I believe it was reporting in error.
Consumer complaint received 2018-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (IA)

XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX XXXX XXXX ). Open account was {$690.00} paid in full as of XX/XX/18 Got the attached letter it was paid in full as of XX/XX/18. 

Contacted XXXX XXXX as they are the primary account holder and the above are a 3rd party. 

XX/XX/18 Contacted an agent named XXXX ( XXXX ) at XXXX XXXX central time requesting that once they received the payment in full that a deletion letter will be sent out. It was confirmed on the phone by XXXX that yes once the account was paid in full that it would be deleted from my report. 

XX/XX/18 XXXX XXXX XXXX at approx XXXX central time and he told me that is not the process of how this works that it would be just a paid in full. I asked if he sees the notes on the account that agent gave incorrect information. He said that he would have to transfer me to her supervisor. I asked about the notes on the account and they said they conflict with the policy. I asked well that was not what I was told and then he tried transferring me to a supervisor named XXXX XXXX. Calls was disconnected and she called me back at approximately XXXX central time. She had all my information pulled up already. She said on XX/XX/18 that the information was the true information given and told me that I should know the policy. I replied back that I do no know the policy as XXXX told me on XX/XX/18 that a letter of deletion would be given. She told me XXXX gave me inaccurate information. This is not my fault as I do not know what the policy is. And because I was given this information from XXXX and I have it noted of the date & time of the call and possibly notes on the call that this should be honored. I also asked for a transcript of the call and XXXX was unable to do so.
Consumer complaint received 2024-02-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am filing this complaint to notify you of fraudulent accounts on my credit report. I will be following up with the Consumer Financial Protection Bureau and filing a civil lawsuit for defamation of character because it is your duty to report accurate information. The following accounts listed below are fraudulent and I request that the information be blocked from my report. Under Section XXXX of the FCRA, I meet all the requirements for a block of the fraudulent information on my report. My identification which is attached to this letter, a copy of my identity theft report which is also attached, the information that I request to be blocked is listed below. This information is not relating to any transaction of mine. The accounts that are fraudulent on my report are listed below. I have also attached a Notarized letter stating it is in fact me sending out this dispute. This letter will be sent certified with signature. I expect that the accounts be blocked within 4 days of receipt. It is illegal to do what you are doing to us consumers.
Consumer complaint received 2020-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (KS)

On XX/XX/XXXX a family member sent me {$200.00} to my paypal account to for help at this time. I have been out of work since XXXX and have not received any unemployment benefits. I have no source of income. I was sent this money to purchase medicine, do laundry, purchase cleaning supplies, put gas in the car and pay some bills. 
Pay pal immediately released {$50.00}. I called XX/XX/XXXX at XXXX XX/XX/XXXX and asked why my funds are pending. The representative said it's normal when paypal see 's unexpected activity. The representative said the funds should be released by XXXX. At XXXX XX/XX/XXXX Pay pal released another {$50.00}. There is still {$100.00} pending. It is not XXXX and the {$100.00} is still pending. The representative had no resources to offer to verify my identity to help release the pending transfer. And now that I have already complained no one is answering. The recording says they are busy and not able to help at this time. And no one answers online message center. 

Transaction ID XXXX