davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-02
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. (MS)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 



XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX 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 2021-05-04
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. (GA)

XX/XX/XXXX {$35000.00} XX/XX/XXXX {$14000.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$430.00} XX/XX/XXXX {$450.00} I sent transunion a 3 different letters over the last 105 days advising them of these fraudulent accounts on my credit file asking them to please send me a copy of the original application for these accounts. They have yet to do so. or send anything to me to verify these accounts.
Consumer complaint received 2022-04-02
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. (MS)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (AL)

This is a collection account that I never signed or agreed too I have no knowledge of where this account came from or why I am being charged for this as I have no accounts in similar to this account and need it removed from all credit profiles ASAP as this is hendering my business growth
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (CA)

Possible Financial is reporting an account as a charged off account but that is inaccurate. I recently checked my credit file and noticed this was reporting erroneously. I was completely unaware about any lates on this account because I had always made a payment on time. Somehow, my payments clearly never registered on their system and it charged off without me knowing. I was never notified about this, and I continue to make payments on time and I've never been made aware about this. This debt is being paid in a timely manner and this should have never charged off. I am aware you are able to change the status on the account because you are the original furnisher and can report to the bureaus as you deem. However, it should report accurately. This is not a charge off, this installment loan is being paid off on time and that should reflect on my credit.
Consumer complaint received 2022-04-02
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. (NC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-05-04
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. (MD)

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house, a car and finish my XXXX.
Consumer complaint received 2019-11-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc. (NJ)

Consumer Portfolio Services continues to report as charged off the remainder of their auto loan to me, if indeed a contract was formed at all, which violate applicable usury laws ( including but not limited to N.J.S.A. 31:1-1 ) I refused and continue to pay a full 200 % of the value of the car. I have attempted to resolve this amicably, but seek your intervention as a remedy of law. This item remains the only negative item on my three major consumer credit report.
Consumer complaint received 2017-12-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (CA)

XXXX IS CHARGING ME WITHOUT MY AUTHORIZATION. I invested in XXXX. I made a deposit, that went through. The continued take the SAME deposit over and over again until my account has over {$300.00} in fees! I have tried to contact them. I have emailed them. As of this morning, they are still withdrawing money. I removed all my money from XXXX via wire transfer, ( paying a giant fee ) and it was supposed to take 1-2 days. ITS BEEN 6 days and I have nothing but an empty bank account that XXXX is still trying to take money from and my bank is still charging me. HELP!!!!!
Consumer complaint received 2023-04-05
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. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-04-02
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: EQUIFAX, INC. (CA)

On XX/XX/2022 I filed a dispute with Equifax through their online Dispute Center. I submitted a copy of my Driver 's License, the court ordered Decree of Name Change and a copy of my W2 in support of the dispute. All of these documents were submitted through the Equifax website. As of XX/XX/2022 I had not received any status updates from Equifax regarding this dispute, however when I logged into my account it showed that the dispute had been closed, but my information had not been updated. The Dispute Results file had the following note : " We have reviewed the identification information. The results are : PLEASE SUBMIT A COPY OF YOUR SOCIAL SECURITY CARD, DRIVER 'S LICENSE AND/ OR AN OFFICIAL DOCUMENT TO UPDATE YOUR NAME. '' On XX/XX/2022, I called their customer service line and was told by the representative that they were unable to find the documents I submitted through their system and that I would need to resubmit them, either by fax or mail. I was given this fax number XXXX and told that I could call back at XXXX to confirm receipt of the documents. I faxed the above noted documents to the number provided on XX/XX/2022 and called Equifax to confirm receipt. I was told by the agent that their fax number was no longer operational and that the only way to submit information was via mail. He went on to claim that it is stated on the Equifax website that the information can only be submitted via mail. This was a lie. In fact, they even state in the Dispute Results document that documentation can be provide through their website : " You may provide us additional information or documents ( such as an identity theft report or a letter from the reporting company ) about your dispute to help us resolve it by visiting our website https : //www.equifax.com/personal/disputes. '' I asked to be transferred to a supervisor and explained to him that I had submitted my personal information to Equifax twice already and was not comfortable mailing them physical documents because I had no faith that they would receive them or that my information would be handled securely. I asked for an alternative solution and was told that the only option was to mail my documents to them, which I am not willing to do at this point. 

All of this started because I applied for a small loan with XXXX XXXX XXXX XXXX on XX/XX/2022 and was denied. I was told by XXXX XXXX XXXX XXXX that the reason I was denied was because of the credit score reported by Equifax. They only pull reports from Equifax. My credit history is impeccable and I have a solid credit score, but due to Equifax 's inability to keep accurate records, I now have multiple unwanted adverse actions on my credit history.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CA)

Us bank shut down my account on XX/XX/2022. They claimed I used the card for business purposes. Confiscates my points and wouldnt allow me to get statement credit for them. 

Told them that all purchases were personal and not business related
Consumer complaint received 2020-09-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMW Financial Services NA, LLC (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2021-02-03
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. (CA)

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Credit Corporation (FL)

Hello, I have an account with AvantXXXX XXXX and I was recently a victim of fraud I was pronounced Deceased on XX/XX/2020 and someone wanted to file a death claim under my name ... That has since been corrected but however Avant the credit card company Closed my Account and Charged it Off, I have called them several times to tell them to please reopen my account that this was NOT my fault and it's ruining my credit which I try so hard to keep in good standings. On XXXX Credit bureau it shows up as a Charge Off and that is bad for my credit ... And Avant won't work with me to take it off ... Every time I call them they tell me they will send me and email or call me about this and they don't I have been trying to fix this issue with them since XXXX and still nothing.. Please help me resolve this issue before it ruins my credit, Thanks so very much.
Consumer complaint received 2019-06-07
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: Experian Information Solutions Inc. (FL)

EXPERIAN HAS SOME INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE, DOES NOT BELONG TO ME AND IS INACCURATE. 
EXPERIAN IN IN VIOLATION OF THE ( F.C.R.A ) ( HIPPA ) AND ( FTC ) I DID NOT GIVE EXPERIAN CONSENT TO REPORT THESE INACCURATE ITEM ON MY CREDIT REPORT. 
EXPERIAN DID NOT CONTACT ME FOR VALIDATION OR TO CONFIRM ACCURACY OF THESE ITEMS. 

THE FOLLOWING ITEMS ARE INACCURATE AND NOT MINE : NAMES : XXXX XXXX XXXX-NOT MINE SOCIAL : XXXX-NOT MINE. 

ADDRESSES : FL, XXXX XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, FM XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX -- Never lived there ACCOUNT THAT ARE NOT MINE : XXXX XXXX  -- NOT MINE XXXX-XXXX XXXX XXXX -- NOT MINE XXXX XXXX/XXXX XXXX -- NOT MINE XXXX-XXXX XXXX XXXX -- NOT MINE XXXX-XXXX XXXX XXXX -- NOT MINE XXXX-XXXX XXXX XXXX -- NOT MINE XXXX-XXXX XXXX XXXX -- NOT MINE INQUIRIES : XXXX XXXX XXXX -- NOT MINE XXXX XXXX  XXXX  -- NOT MINE XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE
Consumer complaint received 2021-07-12
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: Convergent Resources, Inc. (IL)

There is a XXXX  bill reporting under my social security number that was not authorized. I have disputed and requested verification from the credit bureaus on the following dates and have not had the item deleted nor verified : XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XXXX and XX/XX/21. I have requested validation of this debt from the third party collection agency on the following dates : XX/XX/21. I have NOT received the requested information from either party. See certified receipts attached.
Consumer complaint received 2020-09-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2019-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2018 there was a credit card account opened from XXXX XXXX in the amount of {$4500.00}. I have disputed this and it has been handled on all ends and every bureau. This 3rd party company is now attempting to collect the debt after its clear its my account.
Consumer complaint received 2020-09-05
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 (KS)

PayPal has " permanently limited '' my account claiming that I violated their policy. I dont sell items on PayPal ... I use it to easily transfer and or send money and to purchase items online ... they told me they will hold my money for 180 days and then email with instructions on how to get my money transferred, if I'm allowed to have my money after the 180 day time limit is up ... I'm not the only one they have done this too ... hundreds of people have the same problem ... after receiving deposits from unemployment PayPal sends this message saying the account is permanently limited for violation of the policy and that they no longer offer any services to me ... what I dont understand is my first unemployment payment was for over {$8000.00} and also deposited into my PayPal account ... however they never limited my account then nor have I had any issues with the account until the last deposit ... first of all PayPal is NOT a bank so why do they think they can operate as such? They are a payment platform ... it should be illegal for them to do this to people! I am a single mother and it's been 2 months since I got the XXXX and that was all gone as soon as I got it due to the months without any income so I need this money just as badly as I needed that money ... please please please help!!! I've reported the issue to PayPal via a transaction dispute and of course was not given any help at all ... I dont care if they want to do business with me or not because I will never ever use PayPal again once they release my money!!!