davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Paypal Holdings, Inc (TX)

I received a loan and it was direct deposited into a Venmo account. After a few days I was trying to transfer the money into my checking account so that I would have the money in there to cover my rent. It kept denying my transfer and then sent me an email to verify my identity and that my account had been frozen. I sent my drivers license and card customer service, my account had never been frozen before and I have other transactions with them. And they have also had a copy of my drivers license before because I deposited a check into the account with no problems. I contacted customer service and they said there is nothing that they can do and that the team that handles that there is no way that you can talk to anyone. I advised him that I needed my money transferred to the other account because I need it to pay my rent. I advised them I had gotten the loan to pay my rent and it was deposited into their account I can not afford late fees or any other charges they continue to tell me theres nothing that they could do that I would have to wait at least 4 to 5 days for them to verify my identity, which mind you has been verified already. And in the meantime I could not touch the money in my account that the account had been frozen.
Consumer complaint received 2020-09-18
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: Experian Information Solutions Inc. (CA)

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

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

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

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

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-10-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I bought an air ticket on XX/XX/XXXX from a ticket agent XXXX using my Capital One credit card for a two way trip from XXXX York XXXX NY to XXXX ( XXXX date XX/XX/XXXX ). The flight was canceled before the flight date by XXXX XXXX due to Covid. I called the agent and was informed that a refund would be issued but I had never received it. 

I filed a dispute with Capital One in XXXX and received a temporary refund from Capital One but eventually the refund was reversed back to the merchant. I received a note from my Capital One online account in electronic form ( not paper!! ) regarding the decision. 

The case number for the dispute is XXXX. 

I called their customer service upon finding out the decision and was informed by the customer service representative that the merchant claimed that they needed more time to process the refund. And I specifically asked the rep if I could still dispute the charges if the refund did not come through later. The rep said I could file a complaint again if the refund did not come through later. She did not mention anything of the sort that I needed to send in more paperwork to extend the dispute. 

In XXXX I still did not receive the refund so I called Capital One. Then I was informed that I could not dispute the charges anymore. 

Enclosed please find a letter I received in electronic form ( PDF ) around XX/XX/XXXX on my online Capital One account. In that electronic letter it mentioned : " Please fax the requested information to XXXX, and allow 10 business days for us to respond. If you're unable to respond by fax, please send us the requested information in the enclosed pre addressed envelope, and allow 15 business days for us to respond. '' I have never received any pre-addressed envelope. 

On another note, enclosed please also find a screenshot from the XXXX site. It declared it had received the refund from the airlines. I had contacted XXXX XXXX and their reseller XXXX for the refund but with no result.
Consumer complaint received 2020-08-24
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: JPMORGAN CHASE & CO. (MS)

It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.
Consumer complaint received 2022-04-06
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: Chime Financial Inc (MI)

On XX/XX/XXXX two transactions were taken from my account under the name of XXXX. One for the amount of {$200.00} and the other for an amount of {$50.00}. 

These are not authorized as I did not lose my card or allow someone else to use them. My account was hacked
Consumer complaint received 2020-09-06
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. (NV)

I was aware of this fraud account on my credit XXXX of 2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal Bank account opened at XXXX XXXX on XXXX, XXXX under the account number ( XXXX ), an Cell phone account opened at XXXX XXXX XXXX XXXX XXXX, XXXX under the account number ( XXXX ), and a Government Debt from XXXX opened XXXX XX/XX/XXXX, under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collection, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I am also attaching a copy of my social security card, state I.D . and Mortgage statement proving my identity.
Consumer complaint received 2020-09-18
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. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2023-01-29
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: DISCOVER BANK (LA)

To whom it may concern : I received a copy of my XXXX credit report, and I noticed some late payments on my credit report : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DISCOVER BANK XXXX, XXXX XXXX XXXX XXXX company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, Isiah Guiden Enclosed : copy of ID and Utility Bill showing proof of address.
Consumer complaint received 2021-01-22
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. (LA)

Upon pulling my credit report, I noticed that The XXXX XXXX XXXX XXXX reported two accounts in the amount of XXXX} and XXXX. I asked them for proof of verification and to remove the account for inaccuracies, but I did not get either request fulfilled. These are the inaccuracies that I reported : -The payment history from my Equifax report shows that I was on time in XX/XX/XXXX, but 120 days late a month later in XXXX. That is logically and statistically impossible. 

-My TransUnion report is incomplete and they have completely removed the payment history instead of removing the account as requested. 

- My XXXX report is inaccurate and the data doesn't have the same information as XXXX. 

-On the XXXX XXXX XXXX  website it states that a payment was made in XXXX of XXXX, but I never paid anything to them or knew anything about this account until I pulled my credit report in XXXX of XXXX. 

They state that the student loan was assigned to them by XXXX but the data from XXXX showed late payments in XXXX while The XXXX XXXX XXXX XXXX states everything was on time that year on my XXXX report. How is this even possible or allowed to come back as being verified if their information doesn't match the original creditor, XXXX?! 

This violates the FCRA and I need this account remove promptly as it is not a clear representation of my creditworthiness. I have attached the files to show proof of the inaccuracies.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XX/XX/2022, I sent all 3 credit bureaus certified XXXX dispute letters with court documentation showing the inaccuracy that is being reported. Gratefully, XXXX noticed the inaccuracy, then permanently deleted the account. In midXXXX 2022, I handwritten a letter to XXXX XXXX XXXX, confused and unaware of the reporting amount, not owning the debt but asking for documentation that supports their collection amount to verify and as of XX/XX/XXXX, I have not received a letter nor a word of communication. 

Thankfully, I made a copy of that letter and sent it in with my second round of certified dispute letters that Equifax received along with the court documentation on XX/XX/2022. Today, noticing the investigation was completed, I then called Equifax to find out the results and they stated it had somehow been verified. I asked XXXX, who is an Equifax employee, to see if they received my documentation that supports my reason of inaccuracy and they first stated no, after many times of going back and forth, XXXX then placed me on hold several times to then have found all documentation, making sure to tell me what the amount shows on my proof of documentation, however, still not being enough to support the inaccuracy that I am requesting and for me to contact the creditor ( collection agency ) to have it removed since they are the ones that do that, which I was not able to get any feedback from. Im very confident the results I was given with the investigation from Equifax, are violating the FCRA law and would be fully grateful for a deep dive investigation of why my Equifax and XXXX are showing inaccuracy. I look forward to making sure all information on my credit report is accurate and accordingly as possible, thank you for your time!
Consumer complaint received 2022-09-21
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. (LA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-07-02
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. (FL)

As indicated by the attached copies of letters and mailing receipts, Credit Bureau has been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, they have not done their duty mandated under the law. Their inaction in this matter is inexcusable, and their disregard for the law is contemptible. 
Federal law requires to respond within 30 days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC. 
For the record, the following information is being erroneously included on my credit report : 1. The wrong amount is being reported. Date of opening is wrong. 
XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate. I was never late. I PAID AS AGREED.
Consumer complaint received 2021-01-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nobilis Credit Management, LLC. (MO)

The company called my sons cell phone asking for me and was told that was not my number the guy XXXX told my son that his number was the only number they had. I called XXXX and the agent I got XXXX XXXX told me that they had my number on file. I told Ms XXXX to remove my sons phone number from the account. I ask the company name she gave me Nobilis XXXX. I told her I have no idea who that company was and told her to send me something by mail and to remove my phone number. I told her not to contact me by phone only by mail. She told he they had the right to call me weekly. After I told her that was not true she got angry and told me not to call the company back and hung up on me. I wanted to make sure they had removed my phone number and my sons so I called back and go a case manage named XXXX. I told him the same thing that I had told XXXX and told him I have never heard of this company and to send me something by mail. When I refused to give him more info I had already verified my DOB he told me he would mark it as a refusal and the company would sue me for 3 times the amount owed. I hung up on him. The threat to sue me for 3 times the amount due was why I hung up.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reached out to XXXX, XXXX and equifax about XXXX XXXX  saying a debt they claimed I owed, I requested a debt verification. To my surprise, I received a letter stating that the debt had been verified, but no supporting evidence was provided. I immediately disputed the debt and requested written proof, but it's been three months and I still haven't heard back from them. Every time I try to follow up, I receive a letter confirming the validity of the debt, yet they still fail to provide any proof. The total amount in question is {$900.00}, {$770.00}, and {$340.00}. Despite my repeated attempts to resolve this, it seems XXXX and XXXX XXXX is unwilling to provide the evidence I need to verify this debt. It's frustrating and I'm determined to get to the bottom of this.
Consumer complaint received 2022-09-27
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: EQUIFAX, INC. (PA)

I went to car dealership to apply for a Car, the salesman 's stated they were going to pull from one bank but they did multiple ones. Please REMOVE 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 XXXXXXXX
Consumer complaint received 2022-06-24
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: Birchwood Credit Services, Inc. (FL)

XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX I never authorized any of these credit pulls.