davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
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 ()

PayPal closed my account for no reason and will not helping me getting back up. 
i contacted paypal company but I wasn't able to talk to the person directly and reach a message to them but they wasn't seem helpful about the issue. I wasn't able to withdraw my money {$200.00} on my balance because they permanently limit my account with all of a sudden, i didn't find my account suspicious i explained to them that i travel on our province urgently because of my family member is sick and a cause of changing if my I.P address info of my account. they didn't demand documents or any file to resolve the issue of my account and just said i can't no longer use my PayPal account. But, I urgently needed my Money for my parent 's medical expenses. 
i feel they aren't doing their job and affecting me a great deal as i used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2024-01-20
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)

I XXXX XXXX have some XXXX accounts and inquiries appearing on my credit report. 


Accounts XXXX. XXXX {$6900.00} XXXX. XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Ive sent several letters to the bureaus and have no XXXX anything back. My first letter dates back to XX/XX/2021. There are inaccuracies in my report that they have failed to investigate in the appropriate time period.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit report. 
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 2024-01-19
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. (NC)

XXXX XXXX XXXX has furnished data to XXXX and Experian that violate my consumer rights. This action was done without my authorization per 15 U.S. Code 6802. Also the data being furnished is appearing as a charge off which is considered a certificate of indebtedness. Income can not be reported on a consumer report per 15 U.S. Code 1681.
Consumer complaint received 2021-09-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive sent several letters to the bureaus and have no XXXX anything back. My first letter dates back to XX/XX/2021. There are inaccuracies in my report that they have failed to investigate in the appropriate time period.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have requested that Experian remove to investigate the XXXX XXXX XXXX XXXX that they have on my report since XX/XX/2022. Since then I have sent a dispute letter every month and receive no response from them. 
Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 
Experian is violating my consumer right by not providing any documented evidence that they did the investigation. 
Under the Fair Credit Reporting Act,15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Send me copies of the documents that you have in your files that were used to verify them. 

I have been disputing this issue with Experian for over 120 days and the lack of action as jeopardized my ability to buy a house. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
Consumer complaint received 2022-08-06
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

We had a mortgage takeover by a LLC that is responsible for paying a mortgage for a home they own and we do not pay for anymore. They fell behind on payments multiple times from XXXX to XXXX. So we had gotten paperwork for a foreclosure then the company finally decided to catch up on the payments but the damage to our credit was done by them not us and we want that corrected as it was not a direct result of our doing.
Consumer complaint received 2022-06-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (VA)

On XX/XX/2022, I received a letter from Southwest Credit Systems , L.P. stating that I owed {$840.00} to XXXX. The letter stated : " Our information shows : You had a account from XXXX with account number XXXX. '' This is false information. This is not a XXXX account number, but it is my reference number with SWC. 

Because of the false information SWC provided, when I called XXXX later that day, they stated that my balance was up-to-date and this was probably a fraudulent attempt at collections, so I reported it. Importantly, because my alleged XXXX " account number '' per SWC 's letter only had 8 digits and XXXX 's actual account numbers have 16, the XXXX representative assured me this wasn't a real collections letter. 

On XX/XX/2022, the collections account hit my credit report, and on XX/XX/2022, XXXX confirmed it was a result of identity theft. 

On XX/XX/2022, I emailed an image of the collections letter to a Customer Security Assurance representative at XXXX. On XX/XX/2022, that representative stated that XXXXXXXX XXXX system never would have located the account because of the false information SWC provided.

Later, a representative from SWC 's compliance department confirmed the error and that they should've used the creditor account number, not SWC 's account number. 

In sum, SWC told me that they were collecting for " a account from XXXX with account number XXXX. '' This is false. If SWC had not erred and had accurately provided the creditor 's 16-digit account number, my credit score wouldn't have been impacted, and I would've been alerted to my identity theft 2 months earlier.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I was contacted stating that my information was exposed during a data breach from the Credit Reporting Agencies. I begin to monitor my credit report. I recently noticed a list of credit inquiries I did not authorize nor did I request. Furnishing information to my credit profile without my written consent is in violation of 15 USC 1681B. I have not authorized any of these creditors access to my credit profile. The creditors include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not familiar with these companies.
Consumer complaint received 2024-01-19
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)

My information was sold and bought illegally because I was a victim of the XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerly XXXX XXXX
Consumer complaint received 2021-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Palm Beach Credit Adjustors, Inc (FL)

I paid my account directly with XXXX XXXX XXXX XXXX on XXXX XXXX and yet the collection agency is still on my credit report and shown as unpaid as of XX/XX/2021. The collection agency is still reporting wrong information and i need that to be removed. I tried to dispute it but the credit bureau also report it as accurate. THE ACCOUNT HAS BEEN PAID! 

The collection agency 's phone number is not working and unable to reach anyone over the phone and their other number is inaccurate.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

I am writing to file a formal complaint against Experian for its failure to conduct a reasonable reinvestigation into inaccuracies on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). On XXXX/XXXX/2024, I mailed a dispute letter via USPS certified mail tracking # XXXX, requesting an investigation into the following items : XXXX  XXXX - Account Number : XXXX and XXXX XXXX XXXX - Reference Number : XXXX. To assist in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill. Despite my adherence to the FCRA 's dispute process, I received a response from Experian dated XX/XX/XXXX24, stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. This response indicates a failure on Experian 's part to recognize and process a dispute initiated by the consumer, as required by the FCRA. The Act explicitly mandates that if the completeness or accuracy of any item in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. I am submitting copies of my dispute letter, USPS certified mail proof of delivery, and Experian 's response as evidence of my efforts to rectify the inaccuracies on my credit report.
Consumer complaint received 2021-09-02
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: CORELOGIC INC (TX)

CREDCO Miscellaneous Individual XX/XX/ I am unsure what this credit pull is from. I do not recognize it. Nor do I remember purchasing or requesting the purchase of any credit in XXXX of XXXX.
Consumer complaint received 2021-11-29
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: Early Warning Services, LLC (FL)

You continue to ask me for information regarding this account when the law states that YOUR COMPANY must share documentation with me verifying the reporting of this account. Anyone or any company could put anything they desire on my consumer reports. Without proper verification, I can be responsible. 

According to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). You must provide me ANY original documentation ( a consumer contract with my signature on it ) as required. You have violated this law. ( {$1000.00} fine ) According to the FCRA Section 611 ( a ) ( 7 ), Furthermore you have failed to provide the method of verification as required. Your company has violated this law. ( {$1000.00} fine ).

Since you have not properly and lawfully verified this account. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Your company has had several lawsuits filed against you for lack of proper verification.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NE)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2024-01-19
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: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-11-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I paid XXXX XXXX XXXX , a charged-off account, in full, on XX/XX/2021, in the amount of {$2100.00}. 
Despite repeated disputes being filed with Experian, the credit bureau, the original creditor, and the third-party collection agency are all delaying the reporting of the account as having a XXXX balance. 
Experian 's systems do not work, despite me paying them {$24.00} per month. 
It is wrong for an American citizen to pay a debt in full, only to have a balance continue to show as outstanding. This is wrong, and I'm not going to take it any more.
Consumer complaint received 2024-01-19
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-02
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. (OH)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, ohio XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX, XXXX, transunion To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On ( insert date of report XX/XX/XXXX ), I retrieved a copy of my credit report an inquiry that I have no knowledge of. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XXXX XXXX, XXXX. 
Because I did not apply for credit with I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Since XX/XX/2015 Bank of America has refused to remove a XXXX  XXXX XXXX XXXX XXXX HELOC lien on my property. I had two similarly situated properties and the HELOC lien was properly satisfied on XXXX parcel, pursuant to a settlement with the US Federal Justice Department see : XXXX : XXXX. They promised to release the other HELOC and I submitted the documents they requested. They did not release it or provide a written reason for their refusal. They told me to call some XXXX # for a company I've never done business with and is not on my title. 

Bank of America has not only refused to provide the satisfaction, they have responded to letters from my lawyers by providing confidential credit card account statements for a " XXXX XXXX XXXX '' ( no relation ). Poor Mr. XXXX, Bank of America has update his credit card account to MY LAW FIRM 'S address?? Not once, but twice - after my lawyers expressly advised them of the error. This utterly is inexcusable! 

Bank of America 's inaction in removing the cloud on my title severely impairs my property rights. I have expended considerable financial resources to resolve this matter but XXXX XXXX to XXXX Bank of America, refuses to provide even the courtesy of a reply.
Consumer complaint received 2024-01-19
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 recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 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 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 2024-01-19
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: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.