davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX Balance Owed : {$84.00} ; XXXX XXXX Balance Owed : {$4700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX XXXX {$1300.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$370.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$5100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Consumer complaint received 2023-11-27
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. (MA)

I am writing to formally dispute and bring to your attention several inaccuracies in my credit report provided by Experian. On XX/XX/XXXX, I contacted Experian regarding the following discrepancies, and to date, there has been no response from them. I am seeking your assistance in rectifying these issues in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$690.00} ) : The reported account was never late. Kindly correct/update this inaccurate information on my credit report. 


XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$740.00} ) : The reported account was never late. Please correct/update this inaccurate information on my credit report. 


XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$22000.00} ) : The reported account was never late. Please correct/update this inaccurate information on my credit report. 


XXXX ( Date Opened XX/XX/XXXX, Balance : {$320.00} ) : I require verification of the account identified as XXXX. The reported balance is inaccurate, and the account is closed and charged-off. Kindly mark this account as disputed while I resolve the matter with the creditor. Also, verify the Date Opened, Date of Status, and First Reported. 


XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$300.00} ) : The reported account is not mine. Please remove it from my credit report. 
XXXX XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} ) : The reported account is not mine. Please remove it from my credit report.
Consumer complaint received 2023-11-27
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. (TX)

I am writing to express my frustration and disappointment with the unsuccessful outcome of my second attempt to immediately remove inaccurate items from my credit file. Despite providing comprehensive documentation and diligently following the prescribed dispute procedures, the inaccuracies persist on my credit report, causing significant distress and hindrance to my financial well-being. 

I am deeply concerned that, despite my sincere efforts and adherence to the required procedures, the inaccurate items persist on my credit report. This situation has immediate and adverse consequences for my financial standing, making it imperative to rectify this matter urgently. 

I kindly request the following actions : An immediate and thorough reevaluation of the documentation provided in support of the dispute. 
Expedited removal of the inaccuracies from my credit file. 
Transparent communication outlining the resolution process and the steps taken to address this matter promptly. 
Attached, please find copies of the supporting documentation for your reference during the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX is reporting many accounts. I have asked them to freeze my account and correct the information. 

They are reporting XXXX Child Support Enforcement information incorrectly. 

I want all of the information pertain to this case removed from my credit report. First it was never late. It was paid off as agreed. They are not report the correct information and I do not give them permission to report any information pertain to XXXX Child Support Enforcement.
Consumer complaint received 2023-11-27
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to follow up on my previous requests for the reinvestigation of several accounts that I believe to be inaccurately reported on my credit file. As per the regulations, I understand that your company is required to complete these investigations within 30 days of receipt. However, despite my repeated attempts to contact the listed companies, most of them have no record of me. Therefore, I strongly question how they can claim a permissible business purpose for accessing my credit if they lack knowledge of my identity. I urge you to adhere to the Fair Credit Reporting Act and conduct a comprehensive investigation into the following accounts : XXXX XXXX XXXX XXXX. Please remove this fraudulent account in my credit ASAP.
Consumer complaint received 2019-12-18
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. (TX)

I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. I am sick and tired of dealing with this inaccuracy. All I requested was physical proof which I know is the law per section 609 of the FCRA.
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (TX)

I have submitted transaction disputes to this card companys fraud department because of fraudulent transactions made against my account. The first dispute was for transactions on XX/XX/XXXX, XXXX, XXXX totaling {$130.00} which were the result of Identity Theft, which I only discovered recently, and which has been properly reported and documented with local and federal authorities. I provided the reports of identity theft that Id filed but the company denied reimbursement for my claim. The second dispute related to a transaction that I made to an online retailer which was later discovered to be a fake company. I filed a complaint with the Arizona Attorney Generals Office and included that with my dispute for the {$120.00} that was debited from my account. As yet, I have not received any response to my dispute for that claim which I submitted on XX/XX/XXXX. I did send a follow-up letter on XX/XX/XXXX to this company demanding that my disputes be processed immediately and reimbursement for the unauthorized transactions be issued without further delay. I filed all disputes and written communications via an upload link provided by the company through email. I have not yet received any response from the company.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

Upon noticing inaccuracies in the report, the undersigned took it upon themselves to reach out to the creditor to request validation of the debt, but to their disappointment, the creditor failed to provide any supporting documentation. The concern pertains to the account in question, which is erroneously listed as a late payment account. Therefore, the undersigned insists that the credit bureau provides concrete evidence of this account being late. If such evidence is not forthcoming, they demand the immediate removal of the negative payment status associated with this account from their credit report. The following accounts were always paid on time and are therefore being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Consumer complaint received 2023-11-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to follow up on my previous requests for the reinvestigation of several accounts that I believe to be inaccurately reported on my credit file. As per the regulations, I understand that your company is required to complete these investigations within 30 days of receipt. However, despite my repeated attempts to contact the listed companies, most of them have no record of me. Therefore, I strongly question how they can claim a permissible business purpose for accessing my credit if they lack knowledge of my identity. I urge you to adhere to the Fair Credit Reporting Act and conduct a comprehensive investigation into the following accounts : XXXX XXXX XXXX XXXX. Please remove this fraudulent account in my credit ASAP.
Consumer complaint received 2019-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019 and XX/XX/2019. However they never sent me documents to show me how they verified the accounts but per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and they have not.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I noticed unauthorizedbard inquiries on my credit report that I would like removed. According to FCRA, these unverified and unauthorized items must be removed. I never authorized these companies to run my credit, it's fraudulent. There is no information on account numbers because they are not linked to any open accounts.
Consumer complaint received 2023-11-27
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. (PA)

This is a complaint to Experian, XXXX, and XXXX for the completeness and/or accuracy of information contained in the consumer file that you maintain about me, pursuant to the provisions of 15 U.S.C. 1681i.

After reviewing my credit reports I noticed that your company are violating the Fair credit reporting act by improperly using my credit reports for the following accounts ; [ XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ] The furnishers of information are also in violation for reporting these accounts pursuant to 15 USC 1681s-2. And the reason goes as follows.

These accounts are charged off/canceled debt in which I have not been provided a 1099c form. Because it is canceled/charged off, this is now considered a certificate of indebtedness per the IRS Publication . The IRS Clearly defines a charge off/cancelled debt as Gross or Ordinary income, and income does not get reported on a consumer report which in fact makes the reporting of this information inaccurate. I provided a screenshot from the IRS website for further evidence. As your company know it is against the law to report any information not proven accurate. I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Consumer complaint received 2019-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IA)

My concern is that XXXX was able to get directly into my PayPal account and withdrawal funds for a purchase I did want to make without asking for a password or allowing me the opportunity to choose a payment method. 

My concern is I have never authorized XXXX to automatically access my PayPal account, but 'somehow ' this connection was made. It should not have been and I should be entering a password for each transaction I make with PayPal. 

I talked to both XXXX and Pay Pal and they say its my fault and I must have done something to allow it. When I asked how, they did not know. 

I was very frustrated to learn Pay Pal would allow access to my bank and credit card information without my consent ( via a password ) - and that both companies said it was my fault - if I did 'connect them ' it was a shady hidden checkbox somewhere when ordering. 

At Pay Pal I talked to XXXX ID # XXXX and she opened ticket # XXXX, but then told me I needed to go to their website and open another ticket. Grrrrr.
Consumer complaint received 2023-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NM)

I am on PSLF program. I was placed on forbearance. I never asked to be placed in forbearance. It was done without my knowledge. 

I have twice requested to be taken off forbearance by phone. Twice no action taken and I am still in forbearance. I have missed one month of payment and thus 1 month has been added to how long I am with PSLF. 

Mohela is not taking me off forbearance. 

Mohela is not responding to my emails. 

Please help as this is now costing me time. 

Thank you : )
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

These late payments are a defamation of my character are therefore INACCURATE and your company is in violation of the Fair Credit Reporting Act ( FCRA ), otherwise known as 15 USC 1681. Pursuant to 15 USC 1681a - Definitions ; rules of construction, but more specifically 15 USC 1681a ( 2 ) ( A ) ( i ), THE LAW CLEARLY STATES ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Clearly, exclusion means something that is not supposed to be included. The law states that transactions or experiences between the consumer and the person making the report are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine, therefore the information must be excluded and I demand these late payments be deleted immediately. Furthermore, you have also violated the Truth In Lending Act, more specifically, 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (WI)

I deposited a check, via mobile deposit, for {$120.00}. The deposit was accepted, no issues. The amount was later posted successfully to the account. I retained the check for two months before shredding. The TCF Digital Banking Agreement states that you must retain the check for either thirty days ( which I did ) OR until the funds post to your account ( which I did ). I met both criteria.

Three months after the deposit date I received a letter in the mail from TCF, stating that there was an issue with the check image and therefore the {$120.00} had been removed from the account. This was the first and only communication from TCF regarding this issue. I have called TCF multiple times and visited a branch in-person multiple times, and no one has resolved this. I had a TCF branch employee submit a formal complaint via TCF 's internal system, and was told that TCF would be required to call me regarding the complaint. TCF never called. The only " solution '' that TCF proposes, is to " redeposit the check. '' As I no longer have the check to redeposit, my not-for-profit volunteer organization is simply out the {$120.00}.

As outlined above, I followed the TCF Digital Banking Agreement regarding how long to retain the check. TCF is in violation of their own Agreement, and accordingly this incident is properly characterized as theft.

-- -- Separate Incident/Complaint -- -- I received a new debit card in the mail from TCF, at my home address. However,  the debit card was issued to a different person ( " XXXX '' ). XXXX was the previous treasurer of said not-for-profit volunteer, and I am the current treasurer. Over two years ago, XXXX, myself, and the club 's president went in-person to TCF bank ( the XXXX, WI location ), filled out the necessary paperwork to have XXXX removed from the two TCF bank accounts, and were told by the TCF banker that XXXX would be properly removed. When I brought in the newly-issued debit card to a TCF location, I was informed that XXXX was still on both of the club accounts. I was also read a list, by the banker, of people on the TCF accounts : myself ( XXXX ), XXXX, and XXXX. 

On XX/XX/2019 I was told by a different TCF banker that one of the accounts had yet ANOTHER person listed as an authorized user : XXXX. Again, we were not aware until that moment, that TWO individuals were improperly listed as authorized users. It is completely unacceptable to have a bank unreliably remove users from accounts. What happened to the paperwork we filled out and submitted? What employee failed to do their job? What process went wrong?