davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Hello, I have tried to unfreeze my credit at Equifax for the past month. 

I have done the following. 

1. Access my account online and try to unfreeze the account. The website throws an error and doesnt work.

2. I have tried calling Equifax customer service to unfreeze the account. The representative requested I mail a copy of my social and drivers license to Equifax. I have done that and the account remains frozen. The mail was sent over two weeks ago.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A : It also states that a consumer reporting agency can not furnish a account without my written Instruction.
Consumer complaint received 2021-04-23
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. (MA)

XXXX XXXX ACCOUNT ENDING IN XXXX, OPENED XX/XX/2020 FOR XXXX XXXX THE CARD ACCOUNT IS NOT LISTED ON HIS CREDIT REPORT, AND IS INSTEAD LISTED ON HIS SON ( XXXX XXXX ) 'S CREDIT REPORT, AND IS MIXING THE TWO FILES TOGETHER. INCORRECT PERSONAL INFORMATION IS NOW LISTED ON HIS SON 'S PROFILE, WITH NOTHING ON HIS PERSONAL CREDIT PROFILE. 

DISPUTE WAS FILED WITH EXPERIAN, AND XXXX XXXX HAS BEEN NOTIFIED. NEITHER HAVE RECTIFIED THE ISSUE.
Consumer complaint received 2022-09-20
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. (NY)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to orivacy and confidentiality under 15 USC 1681. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 
15 U.S.C 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XXXX XXXX, my PayPal account was taken over by an unknown individual. The individual transferred over {$5000.00} from my bank account a XXXX XXXX XXXX XXXX to PayPal. The individual then transferred the cash into Bitcoin and transferred the bitcoin back to cash to a debit/credit card not belonging to myself. I immediately noticed the activity and contacted the bank and PayPal to make them both aware of the fraudulent activity occurring in my account. PayPal eventually block the account and issued credits back to me in the form of Bitcoin for several of the fraudulent transactions. I appreciate the credits however the unknow individual used cash from my account to purchase Bitcoin. PayPal acted as though I had made the transactions on my PayPal account and issued credit back in the form of Bitcoin as though I purchased the Bitcoin. The main problem with this is that the credits don't match the transactions within my bank account, and PayPal has never provided an accounting of how the credits were issued. Two transaction for {$910.00} and {$400.00} where disputed directly with my financial institution and temporary credits were issued ; however, those credits expired after 1 month. Neither PayPal or my financial institution has taken ownership of those two transactions and continue to point the finger at one another. PayPal claims that my bank issued permanent credit. I have attached the banks statement to PayPal in which they show that a permanent credit was not issued only a temporary credit for the dispute. I read online that it is a a common banking practice for a temporary credit to be issued during a dispute. I have spent countless hours attempting to get my money back for the remaining two transactions. Multiple cases have been set up and closed and many phone calls have been disconnected or not returned. I immediately made everyone aware of the transactions so that they could be stopped and instead months later I am still fighting to have my money returned.
Consumer complaint received 2022-09-21
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account number XXXX XXXX  Account number XXXXXXXX XXXX  Account number XXXXXXXX XXXX Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXXXXXX  Account number XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number 9CXXXX has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the Person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2021, I noticed a transaction of {$9.00} for " XXXX XXXX XXXX '' in the Capital One app on my phone. Since I have never been to this restaurant, I clicked on the charge and saw that the transaction was made on Sunday, XX/XX/XXXX, and posted on Tuesday, XX/XX/XXXX. I immediately called Capital One and notified them of this charge and told them that I have never been to this establishment. Capital One promptly closed that credit card and said I will receive my new card in the mail. 

Today at XXXX XXXX ( XX/XX/XXXX ), I received a notice from Capital One saying that there was no indication of fraud since they found insufficient evidence. I then called Capital One, asking what evidence they collected. I was told that since I did not report the card lost or stolen, they could not prove that it was a fraud because the card was physically present at the time of the transaction. 

I asked the fraud representative at Capital One, asking when exactly the transaction was posted. I was told it was processed on XX/XX/XXXX ( Sunday ) at XXXX XXXX. Also, I was told that the card was physically present at the time of purchase. I notified the representative that the restaurant does not open on Sundays and during the days that they operate, ( based on XXXX and their website ), they close at XXXX XXXX. 

After notifying this discrepancy between the hours of business and the time of the transaction, I was again told that Capital One could not help me out in this case because I had physical possession of the card. I asked the representative if they could direct me to another department that doesn't deal only with fraud. I was told to contact the dispute department only if the vendor does not reverse the charge.
Consumer complaint received 2020-11-14
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 — Their investigation did not fix an error on your report
Company: Aargon Agency, Inc. (CA)

I had a baby but I was covered by XX/XX/XXXX XXXX  my billing ID # was XXXX at the time that should have covered all of my accounts with this company before it even got to a collection agency. They keep trying to say I owe this debt in which I do not. They haven't even attempted to bill XXXX.I moved from Nevada due to my husband suffering a XXXX but prior to the move. My XXXX was approved it just needs to be rebilled the name of the company is AARGON AGNCY XXXX XXXX I have about 4 accounts with them but they are refusing to help me or remove these accounts and they are affecting my credit.
Consumer complaint received 2020-09-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Jacob Law Group, PLLC (MS)

I am in a payment arrangement with Jacob Law Group in XXXX, MS . Calling to make payment results in degrading conversations and an insult to my intelligence. I have repeatedly tried to speak with management to no avail. I have also spoken with the Justice Court Judge involved in the matter. Nothing has changed the behavior or tactics of this Collection Agency. Their treatment of individuals is cruel and inhumane. I should not be humiliated just because I am honestly and legally trying to pay off a debt.
Consumer complaint received 2022-09-21
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)

This is my 5th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX  XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$13000.00}, XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6500.00}, and XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX : {$420.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : IDTheftReport_XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX  Employers : XXXX XXXX XXXX Employers : XXXX XXXX  Employers : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX
Consumer complaint received 2022-07-30
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. (LA)

This is my 8th endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any accounts which were opened without my knowledge, consent or authority within 4 business days with ( 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 accounts are not information relating to any transaction by the consumer. Here are the list of accounts to be deleted : XXXX XXXXXXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-07-22
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. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$58.00} XXXX XXXXXXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXXDate of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-22
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 Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) 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.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and account reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You're require BY LAW to report things 100 % accurate on my credit profile. How is there several late payments being reported for this account? I request your company to provide me with proof of these alleged payments being late. Im requesting verifiable documentary proof ( e.q., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed above. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid derogatory information from my consumer report.

I am demanding that this account be deleted.
Consumer complaint received 2023-01-28
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. (GA)

The living breathing woman does not have a wet ink contract with EXPERIAN, XXXX, or XXXX to publish all of that information that is not mine but another fictitious entity and against the law 18USC1342. The manual of styles says that CORPORATIONS have all capital letters in their names. Living breathing people do not spell their names in all capital letters.These CORPORATIONS have been destroying people for generation after generation with abuse, lies, and deceit often told from Bankers from other Countries who come over here and try to tell people what to do and how to do it.Lend us our money with a large price tag on it they do not have money because the only money that is available is script from yet another CORPORATION, called the FEDERAL RESERVE This is information is not for the living breathing woman it is for a CORPORATION that was created at birth.This credit reporting agency is well aware of this scheme and are working with Banks, Lawyers to deceive the people they even call people Descedent which is a DEAD person, we are classified as DEAD persons. This government is Bankrupt so how in the world can they lend money to people when they are bankrupt. Our Signature and we the people are the Real Estate and are worth Billions of dollars. XXXX XXXX and XXXX XXXX has talked about what is going on right now. All of these credit reports are fraudulent and every one of the CREDIT REPORTING AGENCIEs know it. Lets tell the truth and keep every last one of the people up on living in the truth. These CORPORATIONS HAVE BEEN LISTING ME as a CORPORATION which is false information and it is a violation 15USC 1692a-p among other deceptive practices that the BANKERS, ATTORNEYS use taxing the American people for no reason at all. 
We the people will prevail, as soon as the kool aid wears off. The CREDIT REPORTING AGENCIES have communicated all of this negative information to a third party and have gotten away with this for years and years this should not be the case a fine should be imposed against them.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The following inquiries were not authorized on my credit report. These only show up on my TransUnion report, which is weird. These need to be removed : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report 6. The inquiry was not authorizeXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 7. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report
Consumer complaint received 2021-04-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc (MO)

On XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021 I received phones calls about an attempt to collect an alleged debt. I have asked them to stop calling.
Consumer complaint received 2021-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (FL)

This was a debt that happened 6 years ago. I was involved in a motor vehicle accident. I sent a check in to the hospital and they claimed that I paid the wrong bill. I sent a letter to the credit Bureau disputing it but got no response