davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
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: EQUIFAX, INC. (AZ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In violation of federal law, the unverified items listed below still report to my credit report after numerous written requests. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these items, I'm going to sue you. Please abide by the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$7900.00} ; US DEPT ED XXXX Balance Owed : {$7900.00}.
Consumer complaint received 2023-10-19
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. (DC)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 2023-10-18
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. (NV)

I have made diligent attempts to address this matter by contacting the credit reporting agencies and the companies associated with these improper items. However, my efforts have been met with limited cooperation, and it has become evident that I require external assistance to rectify this situation. 

I am deeply concerned about the potential consequences of these inaccuracies, which extend beyond my financial stability and affect my overall peace of mind. I rely on my credit report to accurately reflect my financial history and to protect me from the adverse consequences of identity theft. 

I kindly request your prompt and thorough investigation into the improper items and identity theft concerns that have infiltrated my credit report. The impact on my life is substantial, and I am relying on your expertise to help me resolve this matter. 

Please provide me with a clear outline of the steps you intend to take to address these issues and the expected timeline for resolution. Additionally, I kindly request written confirmation of any actions taken to rectify the inaccuracies in my credit report. 

I am hopeful that your intervention will lead to a swift and satisfactory resolution to this matter. The inaccuracies on my credit report must be corrected, and I implore you to take this matter seriously. 

Thank you for your attention to this pressing issue, and I eagerly await your response.
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

I had a hacked account due to a phishing scam I discovered occurred in XXXX. I opened a claim on XX/XX/XXXX # XXXX for all of these charges made by a merchant named XXXX XXXX XXXX  who I can not identify to contact directly. I also have a charge not included for {$560.00} from XXXX XXXX XXXX and that charge was handled separately and also denied but without a rebuttal filed despite my request and supporting documents given. I had my claim for fraudulent charges on all of those almost immediately denied. I inquired why and asked for supporting documents of theirs and they said they would mail it and email it neither of which I have received in the last three weeks. I followed up with a rebuttal on claim # XXXX and tried to do include the other charge but was denied a rebuttal for the {$560.00} charge. I ventured forward and submitted additional supporting documents. I inquired about why I had not received XXXX and was told I was not eligible because it has been more than 60 days for some charges. I asked why and they kept saying Regulations E, with no details. I looked into the matter and I believe under Regulation E that I have a legal right to provisional credit since the claim is still under investigation and it has been more than 10 business days. Every time I reach out to the dispute team via chat or phone I am dismissed with canned responses and disconnected without proper resolution. They seem to be avoiding responsibility for fraudulent charges and provisional credit which is what I am seeking due to the severe impact it is having on me and I feel like they are scamming me at this point.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-10-18
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. (NV)

I am writing to express my deep concern and frustration regarding the inaccurate and damaging information that has been reported to my credit report. Despite my efforts to resolve this issue by reaching out to both the credit reporting agencies and the companies responsible for the improper items, I have received no meaningful assistance or resolution. 

I have recently discovered several items on my credit report that are not a result of my own actions or financial choices. These items appear to be the consequence of either improper reporting or, even more alarming, identity theft. This situation has had a detrimental impact on my creditworthiness and my ability to access financial services and opportunities. 

I have made diligent attempts to address this matter by contacting the credit reporting agencies and the companies associated with these improper items. However, my efforts have been met with limited cooperation, and it has become evident that I require external assistance to rectify this situation. 

I am deeply concerned about the potential consequences of these inaccuracies, which extend beyond my financial stability and affect my overall peace of mind. I rely on my credit report to accurately reflect my financial history and to protect me from the adverse consequences of identity theft. 

I kindly request your prompt and thorough investigation into the improper items and identity theft concerns that have infiltrated my credit report. The impact on my life is substantial, and I am relying on your expertise to help me resolve this matter. 

Please provide me with a clear outline of the steps you intend to take to address these issues and the expected timeline for resolution. Additionally, I kindly request written confirmation of any actions taken to rectify the inaccuracies in my credit report. 

I am hopeful that your intervention will lead to a swift and satisfactory resolution to this matter. The inaccuracies on my credit report must be corrected, and I implore you to take this matter seriously. 

Thank you for your attention to this pressing issue, and I eagerly await your response.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am writing to express my deep concern and frustration regarding the inaccurate and damaging information that has been reported to my credit report. Despite my efforts to resolve this issue by reaching out to both the credit reporting agencies and the companies responsible for the improper items, I have received no meaningful assistance or resolution. 

I have recently discovered several items on my credit report that are not a result of my own actions or financial choices. These items appear to be the consequence of either improper reporting or, even more alarming, identity theft. This situation has had a detrimental impact on my creditworthiness and my ability to access financial services and opportunities. 

I have made diligent attempts to address this matter by contacting the credit reporting agencies and the companies associated with these improper items. However, my efforts have been met with limited cooperation, and it has become evident that I require external assistance to rectify this situation. 

I am deeply concerned about the potential consequences of these inaccuracies, which extend beyond my financial stability and affect my overall peace of mind. I rely on my credit report to accurately reflect my financial history and to protect me from the adverse consequences of identity theft. 

I kindly request your prompt and thorough investigation into the improper items and identity theft concerns that have infiltrated my credit report. The impact on my life is substantial, and I am relying on your expertise to help me resolve this matter. 

Please provide me with a clear outline of the steps you intend to take to address these issues and the expected timeline for resolution. Additionally, I kindly request written confirmation of any actions taken to rectify the inaccuracies in my credit report. 

I am hopeful that your intervention will lead to a swift and satisfactory resolution to this matter. The inaccuracies on my credit report must be corrected, and I implore you to take this matter seriously. 

Thank you for your attention to this pressing issue, and I eagerly await your response.
Consumer complaint received 2023-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VT)

I opened a PayPal account earlier this year in order to pay some fees for a sports league I recently joined. 

Yesterday, I received a fraud alert both from PayPal and from my credit card. Someone had gone into my account and attempted to send someone money. It looks like my credit card ( XXXX ) declined the purchase, which was great. But in inspecting my PayPal account, it appears as though another XXXX was added to the account that I don't recognize. I attempted to remove the card from the account, but was asked to upload a government ID and a credit card statement to be able to this. Considering that I was already a victim of fraud, I was not comfortable uploading more sensitive personal information. 

I next tried to close the PayPal account altogether, and again, was informed that I could not do so without resolving the " limitations '' on my account, and the only way to do that was to upload a picture ID and credit card statement. 

I next called PayPal, reiterated all of the above to a customer representative, and then escalated it to a supervisor. I was told again, that I can't close the account without resolving this " account limitations, '' and the only way to resolve them is to provide identity documents. All I want to do is be able to shut the account down. I don't understand why no identification was necessary for some stranger to add a credit card to my account or make a payment from it, but now I can't close the account once I've already been victimized without further compromising myself by providing additional personal information? No. 

All I am trying to do is prevent myself from being victimized again. Any other credit card or bank would let me close the account. That's all I'm trying to achieve here.
Consumer complaint received 2023-10-20
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. (GA)

I am writing to delete the following 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (WI)

I created a Gemini account to purchase bitcoin. I purchased {$2000.00} of bitcoin and attempted to transfer to my main bitcoin wallet. Gemini denied this every time I tried to transfer due to " security hold ''. I attemped over 10 times throughout XXXX, XXXX, XXXX and XXXX. 

I emailed Gemini no less than 50 times. They occasionally responded, saying they were looking into the problem. 

Then I received notice from Gemini mid XXXX that they were closing my account and I had 5 days to withdraw my money. 

I had closed the bank account I used to open my Gemini account in XXXX and after giving them two other bank account options to send my withdrawal to, they demanded a letter from my bank proving I closed my original bank account. I provided this beginning of XXXX and they stopped responding to any of my emails. Gemini is acting in complete fraud. They have been holding my funds hostage since XX/XX/ and after I have sent them every document they have requested for over 4 months, they are refusing to reply and return to me my funds I deposited on their platform. I send 3-6 emails daily to them without response.
Consumer complaint received 2023-10-20
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. (AZ)

SOMEONE OPENED XXXX XXXX FRAUDULENTLY IN MY NAME. I HAVE SUBMITTED AN FTC REPORT AND A LETTER FROM XXXX XXXX STATING THE ACCOUNT SHOULD BE REMOVED OFF OF MY CREDIT REPORT. EXPERIAN, XXXX AND XXXX SHOULD REMOVE THESE 4 ACCOUNTS OFF OF MY CREDIT. REFER TO THE FTC FOR ALL VARIATIONS OF THE ACCOUNTS.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On or about XX/XX/XXXX, XXXX and TRANSUNION removed my paid in full : account for XXXX XXXX  XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX has been reporting this account to both XXXX and TRANSUNION since XXXX of XXXX. XX/XX/XXXX. I paid the Auto account with XXXX XXXX  off in full. XX/XX/XXXX, I in writing requested that XXXX XXXX XXXX accurately update my profile to reflect the account was paid off in full and to list the high balance ( this information was missing in the reported data. ) Around XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  Account was DELETED from my XXXX, and TRANSUNION credit reports. I did not authorize or request the deletion of the XXXX XXXX XXXX XXXX account. I contacted TRANSUNION on XXXX XXXX, XXXX and requested that the XXXXXXXX XXXX XXXXXXXX XXXX account be added back to my credit report. TRANSUNION ' agent informed me that TRANSUNION can not place the account back on my credit report after it is deleted. I called XXXX on XXXX XXXX, XXXX, and was informed by its agent that I have to contact XXXXXXXX XXXX XXXX XXXX and request that the creditor place the account back on my credit report at XXXX. XXXX XXXX, XXXX, I spoke with XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXX and asked that the Auto account be re-added to my credit reports. Also- That I did not authorize the deletion of the account. The deleted account has caused my credit score to suffer a decrease of XXXX points. I paid the Auto Loan off in full. I want the account to remain on my credit reports. XXXX XXXX ( XXXXXXXX XXXX XXXX ) informed me that he ( XXXX XXXX ) - would contact XXXX and see what to do about the account and that he would call me back the same day. No follow up contact was made to me by XXXXXXXX XXXX XXXX  At this time. The XXXXXXXX XXXX XXXX XXXX  is currently missing from both my XXXX and TRANSUNION credit reports. The account was removed from my credit reports without my consent. XXXX XXXX XXXX XXXX  had been on my credit reports for at least three and a half years before this account was deleted without my permission.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
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. (MN)

Experian has a creditor showing an account in collections for me in a state NC that I have never lived, or will ever live in. It is for a utility company, I have been in XXXX  for last XXXX years. Before that I was in XXXX I will sue them under FCRA for maximum allowable legal limits, but their reporting is inaccurate, which is the reason for my complaint. I have no accounts in collections and havent had any in over a decade. I disputed it through their proper channels, but they have left it on my report.
Consumer complaint received 2023-10-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Best in Funding, Inc. (CA)

I first purchased the XXXX XXXX XXXX in XXXX of XXXX, and I have made my monthly installments on time for the last two years. In XXXX of this year, XXXX, I made a partial payment and it sent my account into delinquency which led to the company, Best in Funding suspending my account, and preventing me from accessing the payment portal to make a payment to bring my account back to current status. 

I called them to attempt to rectify this issue on XX/XX/XXXX, and the Account Manager, XXXX began to over talk me, interrupt me and assert how my phone call was not important and hung the call up while I was still on the phone. I attempted to call back to address making a payment, and the same woman, XXXX would answer my call and hang up repeatedly. She disconnected my call 12 times according to my phone log. 

I was finally able to call back approximately 30 minutes later but was still met with the most unprofessional customer service, making me feel inferior, and discriminated against for missing one payment in my two year history with the company. I was finally sent a link to make the payment, but unfortunately the link did not work. I called back again to try and make the payment, of which I was hung up on again after being told a new link would be sent.
Consumer complaint received 2023-10-19
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. (MD)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 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 XX/XX/XXXX