davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
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. (AR)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2024-02-26
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: EQUIFAX, INC. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NH)

To whom it may concern, On Sunday XX/XX/2021 I used Paypal service to transfer {$2000.00} to my sister in law. Before completing the transfer, Paypal asked if this was a purchase payment or transfer to friends and family. It said no charge for friends and family. So I proceeded to make the transfer. Next thing I know they charged a 2.90 % fee or {$57.00}. This is unfair and deceptive practice. How can they state there is no fee previously and then charge one? You had to choose between friends and family or payment purchase/business before going to the next step. Clearly this is misleading and false advertising of their services. 
Please force Paypal to disclose applicable fees responsibly and clearly. 
Thank you for looking into this. 
XXXX XXXX
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX-ny Inquiry from XX/XX/XXXX + Telephone Companies XXXX/XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + Credit Unions XXXX/XXXX  Inquiry from XX/XX/XXXX - Specialty - Shoe, Hat, Etc. 
XXXX/XXXX Inquiry from XX/XX/XXXX + Home Furnishings XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Misc.
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Aqua Finance, Inc. (WA)

This issue is with Aqua Finance , Inc. at aquafinance.com. Customer Service # XXXX. They are a creditor of mine for new windows in my home. 

I'm not getting paper statements and I can not access my account online for most of 2021. 
I spoke to XXXX on XXXX/XXXX/21 who assured me that I would start getting paper statements again and that she would NOT be able to fix the online access problem. I spoke to another representative earlier in 2021 - around XXXX, who told me that online access would be fixed. Both times I called XXXX. 
This issue has never been resolved. I still do not have access to my account online. I do not receive paper statements. I don't know if the automatic payments are processing correctly, I don't know what my payoff is. 
I simply want access to my account information. I have made it very clear to the representatives that I've spoken to that I want to return to paper billing. It has not happened. They have had 5 billing cycles ( months ) to make this right.
Consumer complaint received 2021-12-01
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: EQUIFAX, INC. (AZ)

XXXX years ago, after maintaining an XXXX score with Equifax XXXX XXXX, and XXXX XXXX my Equifax score inexplicably dropped to the mid-XXXXXXXX. I have reviewed my Equifax summary and currently Equifax only has XXXX sources or lines of credit, they see. 

( See enclosed Equifax summary-Equifax score XXXX ; XXXX XXXX, XXXX XXXX Note Equifax credit report summary-total lines of creditXXXX ; credit utilization XXXX XXXX  ) XXXX Summary of Accounts shows over XXXX accounts in satisfactory status ( see enclosed ) Despite all certified information provided to Equifax, Equifax continues to send me computer-generated information without addressing the issue and without reporting the multiple accounts the other XXXX major credit reporting agencies have available. 
I never get an explanation of why they cant correct this problem. 

Equifax will not update their files or respond to me in any way after multiple certified letters providing information to them. I am able to provide a XXXX-page XXXX of documents resubmitted to Equifax XX/XX/2021 which appears to have been ignored as Equifax has not addressed or acknowledged the situation nor has it made any changes in recognizing the multiple accounts that are known to the other XXXX major credit reporting agencies. 

Over the past XXXX years I have made several attempts to Equifax using certified mail requesting Equifax to update my active accounts by providing Equifax my identification and lines of credit that XXXX and XXXX are aware of ( all of which are in satisfactory status. ). 

My most recent response from Equifax XX/XX/2021 stated they were unable to locate a credit file in our database with information you provided, in order to further assist, we will need additional documents to verify your identification etc. 

I again sent Equifax XXXXnformation certified with the dispute number, my address, a copy of my Social Security card, a copy of my drivers license, a list of former addresses, and proof of several open accounts that Equifax no longer keeps a record of. 
Equifax will not update their files or respond to me I am grateful for any help you can provide in this matter, Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX XXXX, AZ XXXX
Consumer complaint received 2021-09-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (TX)

We began having difficulty paying our mortgage in late XXXX. In XX/XX/XXXX we paid roughly {$7000.00} to bring the account current. We paid the XX/XX/XXXX payment on time. However, we were impacted by COVID19 and both myself and my partner lost our jobs as a result of reduction in work force. We put our house on the market for sale, communicated with the mortage company, and PNC Bank agreed to issue a deferement of the mortgage until XX/XX/XXXX due to COVID19 and the Cares Act. In XX/XX/XXXX we received notice from PNC Bank offering to extend through XX/XX/XXXX. We were finally able to sale and close on the home XX/XX/XXXX. Upon checking my credit file, it was discovered they reported me past due 120 days for XXXX and XX/XX/XXXX. This was during the time we had agreed to extension for COVID19/Cares Act. I am requesting XXXX and XXXX of XXXX rating of 120 days past due be removed. We communicated with PNC Bank throughout our process and they were aware of our cirsumstance.
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXXXXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXXXXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

ii was imoact by the equifax breach settlement my since 2017 they have pass my personal info to vartious agencies also my rec ort been mess up already file lots of claims and no responce
Consumer complaint received 2020-01-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

I am having a problem with a collection agency by name of Convergent Outsourcing which is reporting information on my credit reports that I do not recognize and which I have disputed prior in numerous attempts to get the debt validated. The company has responded numerous times that they have complied under FCRA compliance but has not ever sent documentation to me in a hard copy format that would explain the debt as my own. It is my belief that I am either being confused with someone else or else that an unauthorized usage has occurred. 

Numerous complaints have gone unanswered from my end and the bureaus insist that the collection agency has complied with the law but offer no proof other than the statement. I am asking this agency for assistance in the matter.
Consumer complaint received 2022-01-09
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. (IL)

XXXX XXXX reported a 30 day late payment on my credit for XX/XX/21 and this is not true. I disputed it directly with Transunion and included documentation directly from XXXX XXXX that shows the account was PAID IN FULL and closed prior to the account ever being 30 days past due and Transunion REFUSED to remove the derogatory information.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aargon Agency, Inc. (NV)

Management and residents at the XXXXXXXX XXXX XXXXXXXX XXXX have illegally and fraudulent compromised my accounts. Including stolen birth certificates and bank/credit accounts with out my permission. The credit sesame application noticed the illegal use of such actions and the illegal use of an XXXX by the medical department/authorities here in XXXX XXXX XXXX NV. And in doing so, notified me by an fraudulently charged transaction on my credit report for this incident.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2018-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

Bayview Loan Servicing is stealing mortgage payments and claiming they never received your payment. During my Trial Loan Modification I made all 3 of my payments on time. XXXX XXXX is a very dishonest person, she lied saying they didnt receive my XX/XX/XXXX payment. Today I decided to go online and look at my statement and I can clearly see where Bayview Loan Servicing received my payment on XX/XX/XXXX in the amount of {$710.00} and it was credit to my account on XX/XX/XXXX, a blind man can see the fraudulent activity going on here. XXXX XXXX sent me a letter yesterday saying my Loan Modification is  denied because I didnt make my last payment. Is XXXX really that XXXX, she doesnt see the payment? I have done everything to resolve this issue. I will be going forward with a lawsuit against these CROOKS! My Loan Modification was APPROVED and EXECUTED because I did everything I was supposed to during my Trial Modification Period! Something serious is wrong with XXXX XXXX and she needs to be terminated and locked up for trying to steal and scam people!
Consumer complaint received 2018-02-14
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 (TX)

I have objected to their evidence. My proper reason for objecting to material evidence include : Lack of foundation : the evidence lacks testimony as to its authenticity or source. 
Best evidence rule or hearsay evidence : requires that the original source of evidence is required, if available
Consumer complaint received 2021-06-23
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: LEXISNEXIS (NJ)

I have been corresponding with Lexis Nexis since XXXX. Their timelines do not comply with FCRA. I requested deletion of bankruptcy on file via certified mail 62 days ago. I have not recieved ANY correspondence back from Lexis Nexis. Their reporting of my bankruptcy to the credit bureaus is highly injurious and needs to stop.
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (NE)

Ditech has been trying to say that I owe for a mortgage loan of XXXX that has already been delt with through a foreclosure in 2013 And it's been on my credit report for over 7 years. It also says on my credit report as a write off but still trying to collect. This is not right and they need to be reported for fraud. This is a debt that was handled through a foreclosure and should not be still trying to collect. I want this off my credit report now.
Consumer complaint received 2018-02-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (TX)

I transferred money from a money market and two savings accounts located at Synchrony Bank on XXXX XXXX to an external account. I spoke with a rep on XXXX XXXX to verify I made the transfer request. My money left Synchrony on XXXX XXXX possibly the XXXX but was not in my external account. I spoke with a rep on XXXX XXXX inquiring about the transfers and where was my money. XXXX ( rep ) assured me my money would be in external account on Friday. On Friday my money was back at Synchrony so I called and spoke with XXXX again. XXXX needed to speak with a supervisor so I asked to speak with supervisor instead. I spoke with XXXX ( female ) who explained the bank made an error and offered me a free wire transfer, she assured me my money would be in the external account on Friday. XXXX informed a wire transfer would be much faster and safer than an account to account transfer. As of today, Monday XX/XX/XXXX I still do not have my money. I spoke with XXXX and XXXX and neither could give me a reasonable explanation other than it needed to be verified. XXXX informed he did not know when my money would come. The external account is an account Synchrony receives money from every two weeks. I transferred money from the external account into my Synchrony account Saturday and I have a record it left the external account today. There is no reasonable explanation of me not having my money.
Consumer complaint received 2022-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.
Consumer complaint received 2020-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

After I ran an application for home loan and was told that child support report is still on my history from 2014! I already made two dispute through XXXX XXXX and Experian on same month of XXXX. Since I noticed that file was made from year 2014. Then the whole six years it have been there on my history without me knowing it. However, it was paid in year 2014. Why is it not closed and removed? It need to be removed immediately!
Consumer complaint received 2024-02-26
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: EQUIFAX, INC. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$20000.00}
Consumer complaint received 2021-12-01
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. (KY)

I tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! Information is fraudulent and I want it investigated and removed from my credit report!