davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I have no problem with my XXXX student loans, other that to claim that XXXX automatically posted my student loans as 90 days late, while the four accounts were in deferment. I would appreciate full disclosure from XXXX to clean up my payment history and delete the negative payment history altogether. This violation s purely against my rights under the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. The negative payment histories on all four accounts must be erased immediately and permanently.
Consumer complaint received 2018-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (OH)

I have a unverified account from XXXX XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that XXXX XXXX Cease and Desist all further communications. XXXX XXXX  needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805.,  you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NJ)

I payed my balance off in full. I called the company to confirm this. They told me it was paid off in full. I was not aware that they claiming that they received the payment late in spite of sending the payment on time. I was travelling and out of the country so I was unaware that there was a {$25.00} dollar fee that has destroyed my credit scoer. So in spite of having paid the balance in full and confirming it. I was charged a late fee and was unaware.
Consumer complaint received 2021-08-12
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: BANK OF THE WEST (FL)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on XXXX  and XXXX  1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BK WEST Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft BK WEST Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine.
Consumer complaint received 2021-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. They told me to wait 180 days and its beg pass that. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2018-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: L.B.Gray LLC A Debt Collection Agency (FL)

There is an collections account on credit report from L.B. Gray LLC in the amount of {$740.00} On XX/XX/2018, they signed for a certified letter disputing the item. They updated credit bureau 's with information that the account was disputed, but failed validate the account as required in the Fair Debt Collection Practices and Fair Credit Reporting Act.
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: KEYCORP (NY)

( This is a summary only. ) I have a nys government benefit card account with KeyBank. The issue is that logging in always fails which requires that I call the KeyBank Support Center. The center simply " resets '' my account - which automatically signs me into the system. However, any successive attempt to sign into the KeyBank system, after the rest, just fails. And once again, I have to call the KeyBank Support Center to reset my account. This process repeats itself ad nauseam : a ) upon account reset you're signed in automatically, you do your stuff, and then log out, b ) successive sign in attempts fail, c ) call KeyBank Support Center to reset the account.
Consumer complaint received 2018-01-10
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: PENTAGON FEDERAL CREDIT UNION (LA)

I have fraud alerts on my credit reports and someone is trying to open up accounts on my credit that is not myself and whenever the credit grantor attempts to contact me as instructed on my reports the accounts are not allowed to be opened because I had no knowledge of the attempts. However these inquiries are still allowed on my credit reporting. Please remove them. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and Pentagon F C U
Consumer complaint received 2018-01-10
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)

Under the FCRA, my credit report is supposed to reflect information that is 100 % accurate. As it stands, my credit report is reflecting inaccurate addresses, names, accounts, etc. The accounts in question are tied to addresses that are not mine. I have sent numerous disputes and will move to file a lawsuit for the damage the inaccurate reporting is causing if it is not rectified immediately. I have sent countless letters, disputes, uploaded my ID to each Bureaus Corresponding website, mailed proof and still inaccurate reporting of my name, address, and accounts are reporting on each of the reports. None of the reflected, " defaulted '' accounts showing balances could personally locate any files with my namesake and information, so how are each of the bureaus reporting? What is the method of verification? If this can not be furnished accordingly via signed contract bearing my signature, they must be deleted immediately. XXXX is not a reliant source for updating credit reports with unverifiable information.
Consumer complaint received 2022-03-11
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. (TN)

XXXX Network/Receivables XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX or my wife, XXXX XXXX XXXX Sometime in XXXX XXXX an erroneous charge in the amount of {$220.00} ( originally {$340.00} ) from XXXX Network appeared on my credit report XXXX stating that my account was in collections ; however, Ive never had XXXX XXXX  I have had XXXX from around XXXX through XX/XX/XXXX, at which point we moved and switched to XXXX. Ive attached my XXXX payments XXXX through XXXX for your reference. 
On XX/XX/XXXX, I submitted an online dispute through XXXX and on XX/XX/XXXX I submitted an online dispute through TransUnion. Both companies claim they verified the XXXX XXXX collection and stated it is accurate. The week of XX/XX/XXXX, I called XXXX XXXX multiple times and they could not find me in their system anywhere yet refused to remove the collection from the credit bureaus. On XX/XX/XXXX, I called Receivables XXXX XXXX, the collection agency, provided on the credit report, they cant find me in their system either, yet also refused to remove from my credit report. 
The week of XX/XX/XXXX, I also called TransUnion and XXXX and spoke to both directly. They would not remove from my credit, nor would they give me another option other than filing an online dispute. As stated, that has already been done and they confirmed its accurate so its obviously pointless to do it again. Ive since learned that the verification process is a computer talking to another computer and it rarely results in accuracy, because both are fed the same inaccurate data! 
What do I need to do to get this off my credit report and my good credit re-established? When you look at my report, I have exceptional payment history, why would I not pay a {$220.00} XXXX bill. I was even willing to pay it just to get it off my report, but I can't pay it because it nobody can find me. I am self-employed and this is preventing me from getting the funding I need to complete the project Im working on. My score was XXXX and it is now XXXX.
Consumer complaint received 2021-09-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc. (CA)

On XX/XX/2021, I contacted The Bureaus Inc. to pay off the {$560.00} debt that was claimed on my credit report. I was given the runaround by their automated system, and was forwarded to XXXX XXXX XXXX. So XXXX XXXX XXXX did not have any details about my account and I was told to call The Bureaus Inc. back with a blocked number, by dialing XXXX first then their number. Well, I called The Bureaus Inc. with a blocked number, this time, and got to them at last. But, The Bureaus Inc. told me that they don't own this debt any more and that the XXXX XXXX  owns this debt, and so there is no way for them to accept a payment from me. Ok, so I filed a dispute on XXXX to get them off my credit report. The dispute was rejected because The Bureaus Inc. somehow proved that they own this debt. So, I called XXXX and told them this story. I was advised by XXXX to escalate this issue with FTC. I hope you can help me out. Thank you in advance.
Consumer complaint received 2017-10-16
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: Experian Information Solutions Inc. (AL)

I have two accounts 'XXXX XXXX XXXX XXXX ' and XXXX XXXX XXXX XXXX that are listed on Experian that should not be. According to my records with XXXX AND XXXX, those two accounts have aged and have been deleted of my account. I 've spoken with Experian multiple times and they are unable to give me an exact date of when these two accounts should be deleted. With my previous negative accounts, the date of deletion were listed next to the accounts but they are not listed next to these accounts. I 've asked that if in fact these accounts have not aged, that they give me an exact date listed next to the accounts and til this day, it is not. Every time I call and ask when they should be deleted, I 'm getting different days and that is not fair to me. I want Experian to delete these accounts as they are aged and they can not accurately verify the date of deletion. Experian needs to follow suit with XXXX and XXXX
Consumer complaint received 2022-09-09
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)

XXXX. Account name : XXXX XXXXXXXX XXXX Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices. XXXX. Account name : XXXX XXXXXXXX XXXX Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have tried several times and ways to have the AZ XXXX child support payments history corrected with the bureaus. Account was never late or with arrears. I have submitted court documents from the collecting state confirming on time payments and a overpayment. The CRB wo n't update and shows 35 missed pay, nets of 120+ days. There is also a loan showing wrong/false information not once but twice both with different data. It 's from XXXX XXXX in South Dakota and states I entered into some loan I have no idea about. I have been trying to get a home but it 's been months with incorrect information reporting.
Consumer complaint received 2018-01-10
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: CarMax, Inc. (NC)

Been replying to these companies for quite some time. I 've sent in my credit report have n't receive anything or heard from them. They are still on my XXXX credit report. No i did not apply for car ( i do not own any drivers license ) nor did i co sign.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Source Receivables Management LLC (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. My information is being furnished to third parties who are non affiliates of XXXX XXXX XXXX XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.I am now aware that XXXX XXXX XXXX RECEIVABLES MNG are furnishing my information to credit agencies. XXXX XXXX RECEIVABLES MNG is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I did not consent, agree, or give instructions to XXXX XXXXXXXX XXXX to give my information to credit agencies the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information nor my written consent. Any and all authorization to XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
XXXX XXXX XXXX XXXX XXXX, never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of T MOBILE / SOURCE RECEIVABLES MNG reporting services.
Consumer complaint received 2019-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (GA)

In XX/XX/2019, I called XXXX XXXX XXXX to cancel my TV, Phone and Internet services. XXXX XXXX XXXX failed to document my request during the phone call and only requested to port the phone number, instead of fully canceling the account. XXXX XXXX XXXX continued to bill the account for full months services in XX/XX/XXXX and XX/XX/2019. After numerous phone calls, XXXX XXXX XXXX removed charges associated with XX/XX/2019 but refuse to remove the charges from XX/XX/2019. 

I spoke with representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX. On each phone call, I was assured that the charges were going to be reversed for the months billed after my request for cancellation. 

On XX/XX/XXXX I received a letter from a collection bureau dated XX/XX/2019, demanding payment of {$300.00}. 
I do not feel obligated to pay this amount and demand that XXXX XXXX XXXX reverse all charges to this account that occurred after XX/XX/2019 and recall this collection activity.
Consumer complaint received 2018-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (OH)

Recently while conducting a monitor of my credit report I discovered that XXXX XXXX has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX  XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (FL)

XX/XX/XXXX my account was suspended I was asked to send identification a sent my license immediately on the XX/XX/XXXX I asked for a follow up email submitted a ticket have called by phone to no response except I have to wait every day on XX/XX/XXXX and XXXX XXXX I have called emailed and chatted with online chat to take the suspension off my account they will not let me gain access I have had venmo for over ten years I received my direct deposit and my account. Was immediately frozen.
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (CO)

Received a voicemail on XX/XX/XXXX stating I needed to call them back as soon as possible due to actions taken against me. I called the number back and was told I needed to be transferred to a case manager. I spoke to XXXX XXXX who stated they were contacting me due a civil lawsuit against me relating to money I owed to Wells Fargo on a closed account. I asked when the account was closed. He said it was closed in XXXX and I owed {$800.00} which will be sent to their attorneys if I did not settle the debt today. I told him I thought the statute of limitations for debt collection was 7 years so why are they contacting me about something is almost XXXX XXXX XXXX. He said this a federal deficiency matter because Wells Fargo is a federal bank and therefore the statute of limitations is 15 years. He repeated all 9 numbers of my full social security number to me. Not sure how they have that information. I don't even believe I owe anything to Wells Fargo. I asked him if I owe Wells Fargo, why have they not sent me anything in 10 years and then all of a sudden I'm getting a call being threatened with a lawsuit. He said he wasn't threatening and that if I did not make attempts to settle the debt they would report it the XXXX, all three credit bureaus which will force my bank to close my current accounts and they will send my case file to their attorneys. I told him as far as I knew, they aren't allowed to report anything to the credit bureaus more than XXXX XXXX XXXX and that I was not going to pay anything without proof that I owed it. He then said he will notate my account as refusal to pay and to watch in the mail for civil lawsuit papers and then hung up.
Consumer complaint received 2018-02-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (CA)

The home at XXXX XXXX XXXX XXXX, XXXX XXXX, Arizona XXXX was purchased with a loan though XXXX XXXX, ( no Doc. / Adjustable ), with the payments made to XXXX XXXX   XXXX. There was never a late payment for over 7 years. My family developed financial issues due to medical difficulties and I ended up defaulting. I advised XXXX representatives that I was interested in finding a solution. For many months I worked with their representatives providing many, many documents, bank records, Veterans info etc. Finally, following months of discussions I was told that the foreclosure was cancelled and that I would receive a new loan opportunity. That was on a Monday. the Tuesday, following that Monday 's discussion, I answered the doorbell to be met by a sheriff telling me that there had been a Trustee 's Sale that morning and that I had 48hrs. to  vacate. I contacted XXXX   and they stated that there had been a mistake and that they would get back to me. four days later I called the XXXX representative I had been speaking to and she advised me that there was nothing that could be done. I subsequently moved. The loss of the home caused a fracture of my marriage and a significant loss of potential equity.