davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
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. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are making my credit in a very bad standing. The accounts listed below aren't not mine. I sent in multiple letters and haven't received any response yet about my complaints. I don't understand what is going on? Please help me! 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
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: Experian Information Solutions Inc. (FL)

Good Evening I just check my credit and i notice that there are accounts that i did not Authorize I Have never given anyone consent to open these Accounts I'm a victim Of Identity Theft. every Account that is in this Report is fraud and need to be Investigated for fraud this is not right. I'm a hard working Man This Fraud in Florida Needs to Stop companies needs to do there Do Diligence with Identifications with Signatures before they allow an Account to be open
Consumer complaint received 2020-08-18
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. (FL)

I sent request to solve problem with accounts which are not belong to me and never were opened by me. For a long time ago I have already find out this problem with company listed in identity theft. All of these accounts with {$0.00} balance and paid in full, but with lateness and they are not belong to me. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 
Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
Consumer complaint received 2022-10-19
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. (DE)

in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

Act. Name XXXX XXXX XXXX, XXXX XXXX. Name XXXX XXXX XXXX  XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing this as a formal complaint against Experian for not investigating and removing the errors and inaccuracies from my credit report. Experian has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. Please see my attached disputes previously sent to Experian and help me get these resolved.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, My wife and I flew back from XXXX XXXX XXXX, Utah back to XXXX XXXX, California. - I returned the vehicle at XXXX ( I have photos of when I dropped off the vehicle with time stamps, baggage receipt from the airline, XXXX receipt from XXXX to home. ) JP Morgan Chase Credit Card sided with XXXX XXXX XXXX XXXX citing that I approved such charge when I didn't. The Vehicle was rented from XXXX XXXX XXXX XXXX in XXXX XXXX XXXX airport. 
My original reservation was for {$330.00} ( XXXX ) XXXX did not check my vehicle back in till XX/XX/XXXX at XXXX and charged my credit card {$1000.00} - I have since submited tons of proof to XXXX and they have yet to get back to me. In the meantime, I am on the hook for an extra {$760.00} plus interest.
Consumer complaint received 2022-10-19
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. (FL)

In accordance with the fair Acct Name : XXXX XXXXXXXX XXXX XXXXXXXX. 
Acct Name : XXXX XXXX XXXX Acct Name : XXXX 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 cannont furnish a account without my written instructions.

15 U.S.C 1681 c. ( 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 informaoin, 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 informatoin 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 2022-10-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.
Consumer complaint received 2020-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (PA)

On the XX/XX/XXXX we received a letter from XXXX XXXX service about a debt that they are claiming that we owe XXXX of a debt we never took out. My husband 's father and him self have over the years when he was alive have had each other 's credit history listed under their SS #. We never had a credit card from Wells fargo back in XXXX and never paid on it over the next five years that they are claiming. We have spoke to the company on the XX/XX/XXXX and the XX/XX/XXXX and they said well your name is on it then you have to pay it. Explained to them that this is possibly my father 's in law account and he passed away back in XXXX. What do we do next????
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Claim # XXXX with citizens bank. 
I applied for a credit card from citizens bank, I have never received the card and all of a sudden I got a notification from XXXX credit reporting that there is a higher usage and the card that I have never received yet. I reported the fraud via phone call to citizens bank Claim # XXXX, and they sent me a replacement card, seven days later they sent me a letter stating that the claim was denied! They said that I have activated the card using the phone number on file on the day of XX/XX/2022 which is never happened! I want to my phone carrier I printed out XXXX bill to show them the proof that I didnt receive the card nor activated it from my phone, but they never pay me any mind, and Im so concerned about my credit getting hurt by this matter. 
I want this issue to be fixed, the first 5 fraudulent transactions from the XXXX XXXX was a fraudulent Transaction in the amount of {$4100.00} and their lie that I have personally activated the card from the phone on file most be held accountable and the credit amount most be billed back to my credit card account, the only card I received and activated was the replacement card on XX/XX/2022. And for them to close their Investigation within just two days from the report thats a joke and Im willing to practice my legal actions against citizens bank if they didnt resolve this issue for me! 
Thanks and best regards. 
Please find the attached documents which is included with- the Denial letter from citizens bank. 
- Detailed phone bill for the specific day that day said that the card was activated on using the phone number on file - bank statement that includes all the five fraudulent transactions. 
-Proof of faxed documents to the fraud department of citizens bank fax number been provided by the citizens Bank customer service fraud department XXXX
Consumer complaint received 2022-10-18
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. (PA)

Please remove XXXX XXXX XXXXXXXX, XXXX and XXXXXXXX XXXX  off my credit report these account are volating my rights under the FCRA under idenity theft on veterans in XXXX XXXX on XXXX. THESE ACCOUNTS ARE IN LITIGATIONS with TRANSUNION AND XXXX for applying these accounts without first verifing accurate information on personal credit files. Please hold these credit bureaus accoutable.
Consumer complaint received 2020-08-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Company was asked to provided written documentation of signed contract for services provided and did not do so. XXXX investigated and did not provide proper documentation to me either and continued to report this debt on my credit report when XXXX XXXX and XXXX   removed before sufficient documentation was unavailable.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Someone has been opening different accounts in my name, this one was Capitol One 360 checking account. Because I have had previous opened I have been watching for. I received a capitol one 360 checking debit card. I called told them to cancel anything they opened in my name. Come to find out that same day, they opened 10 savings and checking accounts on the same day. After received all of the account closed notifications I got one with a statement from one of the accounts. Apparently on the day they opened them they began doing many small deposits in one account, from churches, then eventually XXXX  the money to someone. This was a red flag because it looked like they were testing this account. Weirdly all accounts for small change! The fact that they were all from churches was worrisome. This was the statement from one of the accounts that was closed so I have documentation of all the transactions. These are the transactions on the one day of activity. 
XX/XX/2022 XXXX from XXXX XXXX XXXX XXXX XX/XX/2022 XXXX from XXXX XXXX. XXXX XXXX, 2022 XXXX from XXXX XXXX XXXX. XXXX XX/XX/2022 Deposit from XXXX XXXX XXXX XX/XX/2022 Deposit from XXXX XXXX. XXXX XX/XX/2022 XXXX from XXXX XXXX. XXXX Then it continues on with deposits from the different savings accounts they opened XXXX from XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX from XXXX XXXX XXXX XXXXXXXX. credit XXXX Deposit from XXXX XXXX  XXXX XXXX credit XXXX Deposit from XXXX XXXX  XXXX  XXXX credit XXXX Deposit from XXXX XXXX  XXXX  XXXX credit XXXX Deposit from XXXX XXXX  XXXX  XXXX. credit XXXX Deposit from XXXX XXXX  XXXX  XXXX credit XXXX Deposit from XXXX XXXX XXXX  XXXX XXXX credit XXXX XXXX XXXX sent to XXXX XXXX debit XXXX The statement has all of the savings account with more deposits of minimal XXXX amounts from the same churches in each one.
Consumer complaint received 2020-08-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paypal Holdings, Inc (LA)

I purchased an item on XXXX using paypal service, when the product was never received I requested a full refund from both XXXX and Paypal. XXXX stated they attempted to process the full refund of {$110.00} but could only provide {$100.00} refund because Paypal prevented the full refund transaction. I initially contacted Paypal by phone for the refund immediately after receiving the {$100.00} and was told by the Paypal representative that I needed to wait 12 days until they receive a reply from the seller on the matter before I could escalate the case. I waited the 12 days and called back and was then told I waited to long and the case was closed and nothing could be done. This is obviously deceptive practice because their process/service which I pay for failed to protect me from the lost ; which they past on to me. I would like to receive the remaining amount owed and expose this Paypal practice. Please advise. Please see notes from XXXX  and Paypal. 


Paypay Case XXXX Transaction ID : XXXX Amount : {$110.00} Date : XX/XX/2020 XXXX
Consumer complaint received 2019-01-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

The cosigner on my private loans was paying one of my loans from Sallie Mae through Navient. He was assisting me with this loan because I have already been struggling with other student loan payments. After my cosigners death, the automatic debit from his bank account stopped and now the loan is a few months passed due. With an already extreme interest rate, the principle is now even larger. Only after contacting Navient did they inform me that there was nothing they could do and the loan would be completely on me to pay. Even with my other loans from Navient and XXXX being on an income-based repayment plan, if I were to start paying this outstanding loan by myself, I would be paying over {$1000.00} per month just in loan repayments. I am starting to believe that Navient is not giving me the lowest possible payment on an income based plan. People who I know that are in similar situations pay much less. I have over {$200000.00} in student loan debt, with a job that requires a XXXX XXXX and only pays {$55000.00} per year. This student loan debt is near crippling to someone who lives in an expensive metropolitan area for work, is newly engaged and wants to start a family. There is no end or relief in site for me or others in my situation. Please help.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are making my credit in a very bad standing. The accounts listed below aren't not mine. I sent in multiple letters and haven't received any response yet about my complaints. I don't understand what is going on? Please help me! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX 11 XXXX   XXXX 12 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (CA)

This is a resubmitted dispute with CEDARS BUSINESS SERVICES , LLC. My for Certified letter of dispute to CEDARS BUSINESS SERVICES , LLC was not received, nor did I receive a Certified Requested Return Receipt from XXXX XXXX. As such, I have resubmitted my Certified Letter to CEDARS BUSINESS SERVICES , LLC, dated XX/XX/2022. Additionally, I received a Tracking Receipt of Delivery, dated XX/XX/2022 from XXXX XXXX. I have attached both the Resent Certified Letter to CEDARS BUSINESS SERVICES , LLC, dated XX/XX/2022, along with the XXXX Tracking Receipt, dated XX/XX/XXXX. 2022. 

Additionally, I have attached a letter to both XXXX and XXXX, enclosing supporting documents ( XXXX Tracking Receipt ) for their review and file. I requested specific documents from CEDARS BUSINESS SERVICES , LLC and gave them a deadline to produce said documents.
Consumer complaint received 2020-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Knight Adjustment Bureau (UT)

Debt collector advised I owed more then I was supposed to pay. My debt was included in a bankruptcy chapter XXXX, but I signed a reaffirmation agreement for a lower amount. The debt collector used the original debt agreement instead of the reaffirmation amount I was supposed to have paid. I wanted to just be over it, so I made payments. On my credit report it is showing paid off, but on the website for the collection company I'm still owing XXXX. They told me I owed around {$1000.00}. It got sent to the court and they ruled the amount was only around {$300.00}.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello my name is XXXX XXXX XXXX, 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 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA VIOLATIONS NOT MINE NOT MY CC XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
NOT MY ADDRESS XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family NOT MY NAMES XXXX XXXX XXXX XXXX XXXX NOT MY JOB XXXX CONTROLS NOT MY INQUIRIES XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX