davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, and Account # XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1684 section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-05-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (TX)

Company changed my account numbers at their whim. When I made payments to their automated system they did not apply them. They then reported me to the credit bureaus as delinquent causing damage and hardship to myself and my family. I have tried to contact them to resolve this issue and they have avoided trying to solve the problem. They have been using these tactics since I opened my account.
Consumer complaint received 2015-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Account Information Management Corporation (WY)

I paid AIM Corp in XXXX, and disputed its status with the credit reporting bureaus, as it was paid in full and showing on my credit report. AIM Corp reported to the bureau that the information needed to stand as it was showing, and that I would need to contact them ( AIM ) directly. I called them on Wednesday, XXXX XXXX, and was told that even though my account was paid in full and closed, they would not report that to the credit bureau until THEY were ready to. 

My complaint, therefore, is that AIM Corp disclosed false information to the credit bureaus, claiming that I still owed a debt that I did not owe, and admitted as much to me, causing me financial damage, as I am in the process of obtaining financing for a home loan.
Consumer complaint received 2024-04-29
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 (CA)

Dear PayPal Support Team, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX I firmly believe that this restriction is a result of a misunderstanding, as I have always adhered to PayPal 's policies and have not engaged in any unauthorized activities. 

Maintaining a positive and trustworthy relationship with PayPal is of utmost importance to me as a loyal user. I am fully committed to resolving any concerns or issues that may have led to this unfortunate situation. 

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, as I have done in the past. 

Thank you for considering my appeal. I kindly request that you initiate the review process promptly. If there are any specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

I appreciate your attention to this matter and look forward to a swift resolution and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, and Account # XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1684 section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Account XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

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. XXXX Reported on XX/XX/XXXX, XXXX XXXX Reported on XX/XX/XXXX, XXXX XXXX Reported on XX/XX/XXXX, XXXX XXXX Reported on XX/XX/XXXX, XXXX XXXX Reported on XX/XX/XXXX, XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX, XXXX XXXX  Reported on XX/XX/XXXX, XXXX XXXX XXXX Reported on XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Reported XXXX, XXXX XXXX Reported on XX/XX/XXXX, XXXX XXXX  Reported on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Reported on XX/XX/XXXX, XXXX XXXX XXXX Reported on XX/XX/XXXX, XXXX XXXX XXXXXXXX Reported on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX Reported on XX/XX/XXXX, XXXX Reported on XX/XX/XXXX, XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX 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 knowns or has reasonable cause to believe that the information is inaccurate. 


The following personal infromation is inaaccurate, please remove XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. XXXX XXXX  XXXX acct 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, XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an 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 2015-12-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BCA Financial Services, Inc. (FL)

This collection is for a bill for a medical procedure that was covered 100 % under my XXXX insurance. I have made repeated attempts to resolve this collection with the collection agency ; BCA Financial Services. They tell me to disregard the mail notices and that they will process through XXXX again. But, the collection stays on my report.
Consumer complaint received 2020-04-27
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. (UT)

The Credit bureaus are reporting inaccurate information & have not fixed it yet ... They are reporting 2 erroneous accounts for XXXX XXXX XXXX XXXX ... XXXX & XXXX - They are double reporting, we only had one account with them and they are reporting 2.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

in accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX. XXXX XXXX... .Account number XXXX XXXX ... Account number XXXX 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 an 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 conviction 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 reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

in accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX. XXXX XXXX... XXXXAccount number XXXX XXXX ... Account number XXXX 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 an 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 conviction 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 reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I have made many attempts to have this account resolved, investigated and removed from my credit report with Experian. The reported creditor and credit bureau agency Experian are reporting unfair derogatory and inaccurate account information regarding this account ( XXXX ) with creditor XXXX XXXX XXXX XXXX. This inaccurate information is not being investigated and verified fairly by Experian. I have reach out to XXXX XXXX XXXX XXXX about this outdated account. I never had an account with XXXX XXXX XXXX XXXX and my attempts to have this resolved and have it removed from Experian has went unresolved. I didn't receive any notification, billing statements, or notice of default of any kind from this financial institution. But when I review my credit report from Experian they have years of derogatory report information in this account.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act account XXXX XXXXXXXX, has violated my rights 15 u.s.c 1681 Section 602 A state I have the rigth 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 Account number XXXX Original Creditor ' XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2020 I called TransUnion because I had Inquiries on my credit report that did not belong to me. I had to hold on for 55 minutes until a Representative got on the phone and when they answered, the Representative told me that I would have to find out the company and call them. I asked how could they Allow someone to put something on my credit report that they had not Investigated. Thats the answer I got after an hour and 34 minutes. I ask to speak to a supervisor but after all that time I just Hung up. Still with no help.
Consumer complaint received 2017-01-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (OK)

Had no idea I owed the Debt Collection Company any money for an apartment that I rented. When I moved from the apartment I owed no money to the apartment complex. Balance of {$830.00}. The apartment company attempted to collect money of which I do not owe, never presented me with a full break sheet showing me why i owe the amount.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2020-05-06
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. (MO)

I was recently just released from prison, after 8yrs, only to find out that I been a victim to identity theft, my personal information has been seriously compromised and has left me in a rut. After reporting this thru the proper channels, I begun familiarize my self with the rules and laws of the FCRA. However, I chose this way first, demanding that the following unauthorized accounts be removed and blocked from my credit files. With Respect. 

1 ) XXXX XXXX XXXX {$630.00} 2 ) XXXX XXXX XXXX {$720.00} 3 ) XXXX XXXX XXXX   {$720.00} 4 ) XXXX XXXX {$2100.00} 5 ) XXXX  {$750.00} 6 ) XXXX XXXX XXXX {$240.00} 7 ) XXXX XXXX XXXX  {$2000.00} 8 ) XXXX XXXX XXXX  {$510.00} 9 ) XXXX XXXX XXXX   {$180.00} 10 ) XXXX XXXX XXXX  {$270.00} 11 ) XXXX  {$11000.00} 12 ) XXXX XXXX XXXX 13 ) XXXX  14 ) XXXX XXXX XXXX XXXX  15 ) XXXX XXXX XXXX 16 ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-19
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Cornerstone Home Lending Inc. (TX)

My husband and I obtained an FHA mortgage through Houston-based Crestmark Mortgage, LLC, to finance our new-build XXXX XXXX. The process has been a nightmare, with a complete lack of communication and the lender repeatedly losing our financial documents. We held our noses and did our best to cooperate, being as proactive and responsive to requests as a mortgage consumer could be. 

The worst part of my experience - and the basis for my complaint to the Consumer Financial Protection Bureau - happened on Thursday, XXXX XXXX ( noting our scheduled close date, happening on Monday XXXX XXXX ). Late Thursday evening I was finally provided with the Closing Disclosure document ( without any explanation, by phone call or email, to notify me to expect or attempt to explain the purpose or contents of this document ) via XXXX XXXX. 

Not wanting to delay the coming close date, I read and reviewed this Closing Disclosure immediately. I found that the figures contained within ( specifically, Seller 's Contributions to Closing Costs ) did not at all line up with what I had been told early in the process. I emailed back directly and told the entire lending team at Crestmark that I believe the document they sent me contained errors, and would not sign it until it had been corrected. 

I forwarded it immediately to my Buyer 's Agent to review - less than one hour later, the document had been pulled from XXXX and she was no longer able to review. I assumed that they also noticed errors, or were perhaps reviewing the prepared Closing Agreement again to check. 

The next morning, I woke up to an email from the Loan Processor directing me to sign the Closing Agreement as they had sent it the previous night, and that failure to do so would result in missing our closing date. I was directed to sign immediately, even though it was acknowledged to contain potential errors, or risk losing my new home. 

I wrote back immediately to say that I would under no circumstance sign legal document I feel to contain errors, and that I find it reprehensible that mortgage company would push clients into signing ( potentially ) inaccurate documents all while holding threat of losing a home over the buyer 's head. 

As a point of fact, I will admit that the Closing Disclosure did not have errors - I was mistaken and ( with all my worldly experience as a first-time homebuyer ) I did n't understand what I was looking at. My frustration lies in the fact that no attempt to educate, clarify, assist, explain or enlighten was made to me prior to or immediately after sending this document. I was only called several hours AFTER the loan processor pushed me to sign a legal document I had expressed concerns about - and possibly only called because I pushed back. 

Is directing clients to sign inaccurate documents the norm for Crestmark Mortgage? I should n't feel pressured into any step of such a large financial decision, and I think Crestmark exhibits both poor customer service and poor judgement.
Consumer complaint received 2016-01-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Meade & Associates, Inc. (OH)

i was XXXX i am low income filled out charity pay to pay for it never recieved a bill and meade and associates have violated the law i believe they are listing XXXX info on my credit report i believe this is illegal also trying to collect a debt i dont owe
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX , CA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX Balance : {$140.00} ; XXXX  XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX  XXXX Balance : {$310.00} ; XXXX XXXX  XX/XX/2022.