davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-05-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

EVERY ACCOUNT THAT IS LISTED HAS BLANK OR MISSING INFORMATION. I CANT DISPUTE WHAT I CAN NOT SEE. THE CREDIT REPORTING COMPANIES ARE ALLOWING THE CREDIT REPORTERS TO REPORT MISSING INFORMATION OR COMPLETELY BLANK LINES. EVERY BLANK SHOULD BE FILLED OUT OR STATE NOT APPLICABLE. THIS IS RIDICULOUS. IF THE REPORTERS ARE NOT GOING TO ADHERE TO A SIMPLE STANDARD OF COMPLETE INFORMATION THE THE INCOMPLETE INFORMATION SHOULD NOT BE ACCEPTED. ALL MY ACCOUNTS ARE MISSING THE CRUSAL INFORMATION OF OPEN OR CLOSED. THE XXXX XXXX ACCOUNT DOES NOT STATE OPEN OR CLOSED THE ACCOUNT IS BLANK. THAT SHOULD BE EASY TO FIX
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Paypal Holdings, Inc (FL)

So the irs says my money was deposited on the XXXX of XXXX. I talked to multiple people on the PayPal chat and got guaranteed me it would be there on the XXXX but here it is four days la tu or and nothing. They put a trace on the deposit and said they dont see it.. IRS SAID IT WAS DEPOSITED.
Consumer complaint received 2022-05-19
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXXXXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-05-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-05-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-07-01
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-07-01
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAME : XXXX XXXX XXXX EMPLOYERS : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX NAMES : XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYERS XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-30
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PDQ Check Exchange LC (UT)

Money 4 You needs to stop Harassing Me through Email and Phone Calls I Have an Attorney Which is helping us with our debt Problem and my attorney has sent out a POA letter and Cease and Decease letters out to this company which they still Fail to not contact me letters will be attached to this complaint Attorneys Info is on Cease and Decease Letter Contact them
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

EVERY ACCOUNT THAT IS LISTED HAS BLANK OR MISSING INFORMATION. I CANT DISPUTE WHAT I CAN NOT SEE. THE CREDIT REPORTING COMPANIES ARE ALLOWING THE CREDIT REPORTERS TO REPORT MISSING INFORMATION OR COMPLETELY BLANK LINES. EVERY BLANK SHOULD BE FILLED OUT OR STATE NOT APPLICABLE. THIS IS RIDICULOUS. IF THE REPORTERS ARE NOT GOING TO ADHERE TO A SIMPLE STANDARD OF COMPLETE INFORMATION THE THE INCOMPLETE INFORMATION SHOULD NOT BE ACCEPTED. ALL MY ACCOUNTS ARE MISSING THE CRUSAL INFORMATION OF OPEN OR CLOSED. THE XXXX XXXX ACCOUNT DOES NOT STATE OPEN OR CLOSED THE ACCOUNT IS BLANK. THAT SHOULD BE EASY TO FIX
Consumer complaint received 2022-07-01
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: BARCLAYS BANK DELAWARE (NY)

This is my third and final attempt to resolve this situation. On XX/XX/XXXX or XXXX of 2021 I was fraudulently charged an amount of XXXX by XXXX for a ticket purchase I didn't make. I have tried to get this charge removed without any resolution from my credit card company Barclays. This matter has been repeatedly closed with an unfavorable decision to me despite the facts that there is no evidence of a purchase by me. I have re-attached the letter sent to me by XXXX XXXX XXXX proving I nor any number associated with my account ever downloaded any application or tickets for purchase during the time in question from this vendor or any third party associated vendor. I ask that my case is reviewed by an independent auditor, aka someone other than XXXX XXXX of Barclays as she has no grasp of the situation and is bias to review the actual facts related to this transaction, as there is no way a competent unbias person in her position would possibly rule against me with the evidence at hand.
Consumer complaint received 2020-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$9200.00}. 
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. 

-- OPEN ACCOUNTS 1. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account.
Consumer complaint received 2019-08-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (MN)

On XX/XX/XXXX, I bought XXXX XXXX subscription from XXXX, with payment through PayPal. The advertised total cost was {$17.00} and I received an invoice that that was the cost, inclusive of all taxes and fees. 

I spoke to a XXXX representative about this over the phone, who was completely unhelpful in the matter. ( I don't remember the date of this conversation ) On XX/XX/XXXX, PayPal charged my credit card for {$19.00} for XXXX XXXX. I disputed this with PayPal, citing the discrepancy. 

On XX/XX/XXXX, I disputed the case. PayPal contacted the merchant to seek more information. 

On XX/XX/XXXX, I provided a screenshot of the in-app advertised price of {$17.00}. PayPal denied my claim. On XX/XX/XXXX, I provided the invoice email citing the price of {$17.00} from the seller. PayPal denied my appeal. On XX/XX/XXXX, I provided that invoice again, PayPal again denied my appeal. 

On XX/XX/XXXX, as per emailed instructions, I requested by post a copy of all documentation relating to my case. As of this writing ( XX/XX/XXXX ),  PayPal has not responded with that documentation. 

Yesterday, XX/XX/XXXX, PayPal again charged my credit card for {$19.00}.
Consumer complaint received 2020-06-21
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$9200.00}. 
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. 

-- OPEN ACCOUNTS 1. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account.
Consumer complaint received 2019-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Renton Collections Inc. (WA)

On XX/XX/2019 at XXXX MST I paid the collection agency in the amount of {$100.00} for a collections debt relating to XXXX XXXX. I have received another collection letter for the same exact debt in the same exact amount. I have called various times and no one will answer my calls. I have called all numbers on the letter as well as on their website. The collections agency is Renton Collections based out of XXXX Washington.
Consumer complaint received 2022-05-18
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: Credit Center, LLC (CT)

My ex-wife XXXX XXXX XXXX incurred a medical bill with XXXX XXXX for a XXXX XXXX for XXXX XXXX.. The bill was filed by XXXX XXXX XXXX XXXX XXXX correctly to XXXX XXXX at XXXX XXXX XXXX, XXXX NY XXXX. By Court Order, the mother is required to pay the bill and submit the balance to me. The motehr recognizes that the bill should be sent to her and has tried to correct the error. The agency changed the billing to me then back to XXXX then back to me when there was no payment. The mother has not paid any portion of the bill. My credit score decreased for XXXX to XXXX. 
Total amount due is {$2000.00}. I have no agreement with XXXX XXXX. I have sent two certified letters to the Credit Center at XXXX XXXX XXXX, XXXX CT XXXX and registered a dispute with all three credit agencies : XXXX, XXXX and XXXX but have been unable to correct this error.
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (FL)

I requested an audit on my account, and I did not receive the results in the time promised of 10 days. I reviewed my account history and performed an audit myself, and I discovered I had been overcharged for interest and charges that I did not make. I called the company, and the customer service is poor, and there is a huge communication gap, which is the problem. I opened previous complaints, and the matter has not been resolved. I tried to close my account, and they still want to bill me. 

As I conducted my audit, I had a debit balance of {$510.00} for the year ended XXXX ; a credit balance of {$570.00} for the year ended XXXX, and a debit balance of {$380.00} as of XX/XX/XXXX. I have an installment balance of {$590.00} as of XX/XX/XXXX ; the card balance and installment balance total {$920.00} of XX/XX/XXXX. I made a payment of {$900.00} on XX/XX/XXXX. Therefore my balance is {$19.00}.
Consumer complaint received 2020-06-21
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: Experian Information Solutions Inc. (TX)

I am writing this due to non-compliance with Experian. They have failed to remove information that was affiliated with personal detail that was challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 
ACCOUNTS : XXXX XXXX Account # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ASSOCIATED BANC-CORP (WI)

On XX/XX/XXXX, I made a payment of {$180.00} to XXXX  using the " XXXX XXXX '' system through Associated Bank. My statement shows is was taken and paid from my account on XX/XX/XXXX. On XX/XX/XXXX I called XXXX because my bill was due on XX/XX/XXXX and my online statement showed no paymen received. I Didn't want to be late so I made an additional payment of XXXX on that date, online. I spoke with Associated to see what can be done with this issue. I was told It was paid via paper check and it could take up to 10 days to post. The bank representative stated that if It has not posted I can make the second payment to XXXX  and if the check is received by XXXX  later, It would just be a credit on my XXXX  account, or I could wait 10 days and put a stop payment on the transaction. After a few days, I went to the Associated Bank office on XXXX XXXX and spoke with XXXX XXXX on this and another issue I was having with my debit card. When I spoke with him about the XXXX issue, He stated It was paid, not by check, but through electronic means. He said they would investigate. Today, XX/XX/XXXX, I received this email : XX/XX/XXXX XXXX, the service provider for XXXX XXXX with Associated Bank, processes the payments that you make through XXXX XXXX. At your request, XXXX processed the payment to XXXX  on XX/XX/XXXX for {$180.00}. However, after sending money to XXXX, XXXX could not withdraw the funds from your payment account. As a result, you owe XXXX for the money XXXX sent to XXXX  on your behalf. 


Your Bill Pay Service Has Been Suspended XXXX suspended your XXXX XXXX  service. You can not use most of the functions in your service, and no transactions will be processed. You must make other arrangements to pay any scheduled transactions. 


Reinstate Your XXXX XXXX Service and Avoid Collections Call XXXX at XXXX to pay the balance due, or notify XXXX within 30 days that you are disputing the validity of the payment to XXXX. XXXX can reinstate your service and answer your questions. 


Service Fees Any service fees associated with insufficient funds in your account for the payment to XXXX  will be withdrawn in accordance with your XXXX XXXX terms of service. Other standard processing fees may  apply. 


This email is an attempt to collect on a debt and any information obtained will be used for that purpose.
Consumer complaint received 2023-03-27
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX