davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

XX/XX/XXXX; Experian and XX/XX/XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. Chapter XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX - XXXX ; and XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Experian and XX/XX/XXXX show the following accounts as not in dispute, when in fact these accounts are in dispute. XXXX - XXXX. XX/XX/XXXX and XX/XX/XXXX show the following accounts as not in dispute, when in fact these accounts are in dispute. XX/XX/XXXX XXXX. Experian shows the following account as not in dispute, when in fact this account is in dispute. XXXX XXXX - XXXX. XX/XX/XXXXshows the following account as not in dispute, when in fact this account is in dispute. Account XXXX. All of the above referenced items are in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2020-07-10
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: Capital Accounts, LLC (MD)

This case was solved in XXXX, the problem i have is that they are still keep checking my report putting hard inquires on it, this is now XXXX, removed this company from y report thats almost 3 years, and they keep checking my report about 10 to 15 times all hard inquires doesn't make since I don't want this closed until its removed please
Consumer complaint received 2021-08-15
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. (NV)

XXXX  and equfax ignore my letters disputing a hard Inquary from XXXX XXXX XXXX. I write them 2 letters each in the pass 6 months they never respond and XXXX  XXXX hangs up on me when I call there company
Consumer complaint received 2020-10-23
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. (MS)

I have requested for the bureaus to honor Paragraph 7 of Section 611.a of FCRA gives you the right to demand a description of the investigation. Thats when the method of verification letter come into play. I have requested Method of Verification still WILLNOT SEND ME INFORMATION. I WANT TO KNOW HOW THEY ARE OBTAINGING THIS INFORMATION FROM ORIGINAL CREDIT AND WHAT THEY ARE RECEIVING FROM THE ORIGINAL CREDIT ... ITS MY RIGHT AND THE LAW. There are several inaccuracies on my credit report including inquiries.
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Winklevoss Exchange LLC ()

I'm from the XXXX and recently created a Gemini account, linked a bank account and have been verified. I sold an XXXX recently on XXXX XXXX and withdrew the balance to my Gemini. The amount received was around {$1500.00} but when I go to withdraw the only options for XXXX  or XXXX. I've also tried linking a US bank account but the only options are for XXXX or XXXX banks. My account balance says 0.00 but my portfolio balance states 1097, and the transfer was completed around an hour after withdraw from XXXX. 

I've even tried to purchase crypto with the USD in hopes of converting it, but in both the regular and active trader platforms I am only able to trade XXXX or XXXX pairs. I've reached out to support multiple times and messaged the XXXX pages 4 times with no response and I'm beginning to get concerned. 

It's now been almost 3 weeks and I was told my issue had been escalated but my money is still locked and I'm unable to access it at all.
Consumer complaint received 2024-02-22
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. (GA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and Equifax credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
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. (NY)

In accordance with the fair credit act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has ultimately violated my rights 15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-11
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. (NY)

In accordance with the fair credit act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has ultimately violated my rights 15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-10-10
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. (CA)

" " '' I have disputed this Public Record on this Bankruptcy : Discharged CH-XXXX  XXXX for months. XXXX and XXXX have deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the  Fair Credit Reporting Act. '' '' "
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (TX)

THIS ACCOUNT WAS PLACED ON MY CREDIT REPORT AFTER IT HAD BEEN INVESTIGATED I RECEIVED A LETTER XX/XX/2019 FROM DISCOVER STATING THE ACCOUNT DIDN'T BELONG TO ME AND I WAS NOT RESPONSIBLE CASE WAS CLOSED. 

CONSUMER FINANCIAL PROTECTION BUREAU CASE # XXXX DISCOVER PLACED IT BACK ON MY CREDIT
Consumer complaint received 2023-02-07
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: Global Lending Services LLC (MI)

The companies advertised online no credit check then the following day there are hard inquiries on my credit report. I am in the process of trying to get financing for a vehicle. These hard inquiries will have a negative impact on my scoring when I apply for the car. I am not really familiar with this process ( I have never leased or financed a vehicle before ). To lure people to their websites advertising we can help no effect to your credit and then its a hard pull ( not a soft ) is ridiculous. FYI : only the XXXX XXXX XXXX had my permission.
Consumer complaint received 2021-08-15
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: ERC (AL)

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 



P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I manage all the bills, including accounts belonging to my husband, and they are paid on time if not before the due date with minor exceptions. The mortgage blemish from almost 7 years ago is the only negative on our report and resulted from the downturn in the economy affecting my husband 's employment. I 'm therefore confused why my credit score is always lowered or dramatically affected for foolish reasons. Only varying factor is my gender.
This complaint is frankly for the sexism I 've experienced from credit score companies.
Consumer complaint received 2020-11-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED BANKSHARES, INC. (DC)

My loan officer was XXXX XXXX with George Mason mortgage. I was promised a deal on closing that I would get {$10000.00} from the developer and 1 % off the loan origination, which would be split between the developer and loan officer. The developer paid the full 0.5 % of the Lon origination, but XXXXGeorge Mason did not. XXXX pushed prepaying mortgage insurance and buying down the rate. We ended up buying down the rate, but that cost coupled with all closing costs did not cost more than the 0.5 % George Mason was required to pay. He only gave me the feed cost off, which was {$1200.00}, but he owed {$3500.00}. He claimed he used the difference of {$2200.00} to buy down the interest rate, but that amount doesn't make sense nor is it reflected in any documents as a buy down that I could otherwise use for tax purposes. I asked the title company representative if this was the case with all XXXX closings and the representative confirmed yes, the maximum XXXX gave in the 0.5 % credit he owed to all people closing at my condo building was the {$1200.00} in fees every time. There were 2 preferred lenders and the title company also confirmed the other preferred lender did in fact give the full 0.5 % credit. I feel scammed and taken advantage of, I confronted XXXX in multiple calls, the title company called and asked for an explanation at closing, and nothing he provided made sense. 

I also locked in on the day that the mortgage rates were below 3 %. If I legitimately bought down the rate 1.75 points, my rate should not have been 3.125 % considering my credit score was over XXXX. I think he took advantage of me as a buyer considering he was the preferred lender.

I also filled out a survey to the branch manager after the closing explaining these issues and no one contacted me or did anything to resolve the issue. Please investigate this.
Consumer complaint received 2020-10-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I have received many calls over the last month or so from phone numbers, from supposedly local to out of state, associated with this company. I have NO accounts or association with this company. They are harassing me. Furthermore, if there was a supposed debt, I have received nothing from them. At this point, this company has violated federal and state laws repeatedly.
Consumer complaint received 2019-11-11
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: EQUIFAX, INC. (FL)

Equifax Mortgage Ser Inquiry on XX/XX/XXXX and XX/XX/XXXX I dont recognize this company and this was done without my permission/consent. 

XXXX XXXX  XX/XX/XXXX I dont recognize this company and this was done without my permission/consent. 

XXXX XXXX XX/XX/XXXX I dont recognize this company and this was done without my permission/consent.
Consumer complaint received 2023-02-07
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. (TX)

FCRA Violation : address not mine XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FCRA Violation : auto loan not mine XXXX XXXX Reported : XXXX XXXX XXXX {$8300.00} Closed FCRA Violation : other loan not mine XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX {$670.00} FCRA Violation : hardenquiries not mine 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 FCRA Violation : collections not mine XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX {$300.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$780.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$250.00} XXXXXXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX AXXXX XXXX Reported : XXXX XXXX XXXX XXXX {$340.00}
Consumer complaint received 2020-11-04
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. (VA)

To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to XXXX  to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2023-01-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (GA)

My issue is really not with the collections company ; however, it is that I should not be receiving calls, texts or bills regarding lab work done in doctors office ( which was out-of-network for my insurance ), so they denied claim because the doctor did not do her verification of coverage before service was provided. The matter is being disputed under the XXXX XXXX XXXX Billing Act with hopes that it will be resolved accordingly, but in the mean time, this XXXX XXXX ' has been sent to collections.
Consumer complaint received 2021-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (GA)

On XX/XX/2021 I mailed a certified Debt validation letter to Navient- Department of education . In this letter I stated " Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested ''.
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (ME)

A fraudulent collections account appeared on my credit report about two months ago. After a month, I had it successfully removed. When first encumbering my account, this fraudulent and in-no-way representative collections account droppped my credit score over 100 points by itself. When it was removed a month later, one would expect that a fraudulent account that had literal no relevance to my consumer activities or reality in general because it never existed and should be treated as such, would be followed up after its removal by an equivalent value by which it decreased your score returning to it. This is simple logic, if a certain factor is introduced that deducts 50 points away from someones measure of performance in some hypothetical area, and that factor never belonged there to begin with, is found as fraudulent and removed, any reasonable person and any acceptable interpretation of the Fair Credit Reporting Act, particularly if brought before a judge ( I am a XXXX and plan to do this if nobody else takes action about the absurdity of this ) would say that fair representation by credit reporting would mean placing the injured party into the position they would have been in and had enjoyed prior to the legal wrong, in this case a fraudulent collections account. There is nothing that can be said as to any logical merit or justifying considerations that would remotely help this clear aberration in proper methodological practice for credit reporting pass muster under any review as to whether or not such a formula is consistent with the objectives and purposes set forth in the Fair Credit Reporting Act, not to mention whether it unjustly deprives an Individual of repetitional benefits previously enjoyed before hte wrongful portrayal of credit, or whether it amounts to defamation or slander to purposely know that the information being reported isnt accurate nor based on a methodology supported by common sense let alone logic or scholarly research and whatever else.
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (LA)

i have had a paypal account for years and never had issue with accessing my account. now paypal is demanding a cell phone and number or i can not access my account online. the issue is i do not have one to give them and i do not see the need to buy a phone and service to access the account which is rarely done. most companies use an email or a phone call to verify it is me. i have a landline which is on the account and i have an email which is on the account but they refuse to use them so i am locked out. 
i am XXXX years old and have issue with touch screens as i have low capacitance in my body so the screens do not work well. i use a computer and keyboard.

the so called cell phone is also a security breach so it really is not any better as sims can be copied and hacked.
Consumer complaint received 2019-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

MBA Law, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Amount {$690.00} I dont have a contract/agreement with the collection agency and I request to be removed from my XXXX credit reporting agency.
Consumer complaint received 2019-11-11
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: SYNCHRONY FINANCIAL (MD)

SYNCB/PPC  Is on my credit report and has a 30 day late penalty. I have never seen this account on my credit report ever! I have look at my last 10 credit reports for the last 3 years and this was not up there. I havent applied for any new credit cards or loans. The total balance is {$9000.00}