davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

See Attached : Look at circled items in the enclosed attached fileXXXX XXXX XXXX XXXX XXXX is reporting a bankruptcy on my consumer credit report and they have the data furniture as being XXXX which is false. I have attached a letter from XXXX XXXX showing that that can't be the source of this information. I also have reached out to XXXX and have a letter from them stating they did or do not report to any credit agencies. Finally I have official statements from two California Courts stating that they also do not report or provide information to Experian or any credit report agency. So Experian is falsely reporting that XXXX XXXX has verified this bankruptcy and two Experian is falsely reporting the INCORRECT information about who the true data furniture of information is. Both are violations of my rights. 
They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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. 
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Consumer complaint received 2020-10-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later and I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. In Section 611 ( a ). it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 2023-09-22
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)

Despite the compelling evidence I provided and the absolute lack of verification from the purported creditors, you have inexplicably chosen to ignore my pleas for assistance. 
The fraudulent accounts that I insist be addressed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your apparent indifference to my repeated requests for resolution is nothing short of scandalous. 
Your egregious failure to uphold these obligations has caused severe harm to my financial well-being and emotional distress that I can no longer tolerate. I will not stand by idly while your organization continues to neglect its responsibilities.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act, XXXX XXXX Acct # : XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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 written instruction 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason
Consumer complaint received 2020-10-14
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-10-14
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-07-28
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. (IL)

XXXX and TransUnion have been reporting these fraudulent accounts under my name. 

XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts.
Consumer complaint received 2022-04-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

I bought {$800.00} of XXXX through Paypal, hoping it would increase in value. It went below what I paid for it so I decided to sell. Paypal will not let me sell my XXXX. I have spent countless hours on line and on the phone with Paypal reps, and have been given a dozen different reasons why I am not able to sell my XXXX. I am not new to the world of XXXX and or online trading. Their online system conveniently hits dead end after dead end in the process of trying to sell the XXXX. And customer service says its all my fault. I call XXXX on that. In view of the many ongoing lawsuits against Paypal for this type of behavior, I believe its all a scam to steal my money. 
Their latest claim is that my cell phone they want me to use for account verification is in my wifes name, and that is not allowed. They want me to buy a new phone in my nameXXXX XXXX I was told by another rep that the cell phone has been authenticated by paypal and should work just fine. But agter 3 days of trying I still can not sell my XXXX, and paypal reps refuse to come up with a solution
Consumer complaint received 2020-10-14
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$530.00}, {$410.00}, {$630.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$530.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$410.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account.
Consumer complaint received 2020-07-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: F&L Marketing Enterprises LLC (NC)

A company called cash 2 U loans has had me paying on a XXXX dollar loan in payments of any where from 70 to 100 dollars since XXXX of 2019 and the loan is not yet paid off they have been drafting unauthorized payment out of my checking account Please help
Consumer complaint received 2022-08-25
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. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about the inaccurate information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$8800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX*Balance : {$3200.00} XXXX XXXX Balance : {$2800.00} XXXX XXXXXXXX XXXXBalance : {$20000.00} XXXX*Balance : {$0.00} XXXX  XXXX XXXX Balance : {$9700.00} XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$6800.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$16000.00}
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (WI)

A Netspend cardwas delivered to my house sometime in XXXX. Netspend is a legit company, but I did NOT ORDER this card. The account ( 16 digit number on the front of the card ) was associated with my name & email, but I refused to provide my SSN number. The representative told me ( when I called today, on XX/XX/2022 ) she could & would close the account AND prevent it from being opened without requiring my SSN, then recommended I contact the FTC. So, I need this reported as a fraudulent account that was opened. Fortunately, there has been NO unusual activity within my financial accounts.
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc (SC)

Back on XXXX, I XXXX XXXX, submitted an application for a delivery job, with a company called XXXX. This company, uses a third party, for completing background checks, named Checkr. Checkr received my details on XXXX, and stated that my criminal checks would be completed by, XXXX. Upon checking the status of my report on XXXX at XXXX, the completion timeline was then updated to XXXX. I reached out, and only received generic computer generated responses. Then upon checking my report status at XXXX on XXXX, my completion date was AGAIN UPDATED, and is now showing XXXX. This is messing with my income, and good standing as a job applicant!! I again reached out, and received the same response. Stating they could not provide any details of a completion date, or expedite this process! I KNOW FOR A FACT MY CRIMINAL RECORD IS SPOTLESS!!! I CAN NOT GET ANY HELP FROM Checkr, and I am stuck in limbo, looking bad to the company that I am trying to get a job with! Can someone please help me?!
Consumer complaint received 2022-02-03
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX & XXXX ( Original Creditor : XXXX ) XXXX XXXX - XXXX XXXX
Consumer complaint received 2020-10-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (CA)

Just when I thought this company could not get any worse they find new ways to surprise me. Ive been working to get a transfer of equity finalized for years. They finally initiated the process communicating with both me and the buyer advising everything is complete they sent in the mail and uploaded.

When the contract arrives it says Im adding the applicant mind you is not family or anything to my account which is not what was discussed with either party prior to them pulling his credit excessively and multiple reps advised when I called in this is an absolute mistake my account says transfer completely and add. This is a mistake on their part they have the redo the whole contract please allow 48-72 hours. I call back they say they will upload by the end of the day. 

I sent back the title transfer and pieces relevant to the transfer in the mail. I again call as I have not received they say it is being completed as we speak check back tomorrow. Tomorrow comes not done. I call again they are still working on it ok no problem. Today at XXXX XXXX  I get a call from a rep with an attitude sounded like she said XXXX that does not identify the company just says Im calling from the transfer department guess I was supposed to connect dots on my own as I almost hung up. She says you know we are adding him as a co-signer to your loan right? 

No XXXX about 9 different reps stated otherwise and why would I add a complete stranger as a co-signer for me? For a loan Ive already had for years with zero change in terms???????? Not only was that not what was advsied on multiple occasions thats not even what was requested by any means on the application or questionnaire it clearly states transfer from me to him. You guys wasted months of my life, communicated my personal information to him which I would not have authorized had I not been advised almost a dozen times it was your mistake you are fixing. 

Additionally XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were on an extension. I was not late and these need to be fixed if either are not complete I intend to spend every dime that I have exhausting every legal recourse against Ford Motor Credit Co because I have had enough.

Enough is Enough!!
Consumer complaint received 2020-08-18
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: EQUIFAX, INC. (TX)

XXXX  Equifax and XXXX  are all reporting multiple inaccurate information about me via my credit reports. I have sent them multiple certified mail pieces and called multiple times, seems to have a problem providing me with how they are verifying any accounts. my credit was hacked and i have been trying to get them to cooperate
Consumer complaint received 2022-02-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber (CA)

I am a victim of identity theft .This collection are aware that these accounts are result of identity theft because i have provided my FTC affidavit, my police report. 

The fraudulent accounts in questions are as follows Great $ Weber Account XXXX I never had any services with XXXX XXXX they are also knowingly and willingly reporting fraud on my credit even after provided them my fraud package everting enclosed with my complaint. 

I sent my police report and my FTC affidavit that i received from the Federal Trade Commission Certified mail copies enclosed and havent heard back from this agencies. They have caused me great damage and embarrassment also with emotional distress.
Consumer complaint received 2020-07-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX 2020 I submitted a form to refine my house and get an equity loan with JPMorgan Chase Bank XXXX A representative talked with me and explained all of the conditions, a week later I was told they changed the requirements, the needed me to have a higher credit score. I waited 3 months to resubmit the application and XX/XX/2020 I resubmitted the application because I had more points than needed to refine and other requirements. The representative told me I needed 12 months of payments of mortgage. All of the requirements I was told about, I had. One week later, I was called and they told me I dont meet the requirements, then she raised the amount of money that is required to be in the bank. My second application was not accepted. Ive tried to talk with more representatives of JP Morgan and the requirements that they say are necessary, I already have. I feel like the bank is playing with my credit at this point. I honestly need a firm answer because each representative seems to have their own requirements for credit. I just need a rigid answer because theyll add barriers as soon as I completed all of the requirements.