davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
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. (NC)

I printed my consumer reports for XXXX, XXXX, and Experian. After reviewing all XXXX reports I noticed there are several inaccuracies on the report. I reached out to each of the credit reporting agencies to give my instructions on the corrections I demand to be made. They have refused to follow my instructions in Pursuant 15 USC 1681b ( a ) ( 2 ) written instructions of the consumer to whom it relates and this is a direct violation. Not only are you impersonating a bureau in which you assumed the role. You also have taken over my report and allowed any and every company to do whatever without consulting me at all. Are you doing business with these companies in order to ruin my credit or reputation? Are they paying you to place fraudulent information on my report? Remove hard inquiry XXXX XX/XX/2022, PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, NC XXXX, Remove Account # XXXX and Account # XXXX. Correct the late payments on every XXXX XXXX and XXXX account on my consumer report.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it, I found several items on the report that are inaccurate/no proof that it belongs to the alleged debtor. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please DO NOT respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified/no contract accounts must be promptly deleted. Also, in accordance with FCRA regulations, any account that does not bear an original signature on contract stating that the alleged debt holder agrees to pay or verified such debt must be removed immediately. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. During the verification and validation of accounts, please note that federal law requires that all accounts under review are to be removed from credit reports until validated and verified. In accordance with federal guidelines on debt collection practices, verifiable proof would be a signed contract ( bearing original print signature ; excludes electronic signature ) between alleged debtor and creditor reporting an account to the credit repository. If no such contract exists, then by federal law the CRA is require under FCRA to remove the account ( s ). Failure to abide by federal guidelines could result in government sanctions, punitive damages being paid to alleged debtor. As a CRA, it is your responsibility to verify validity and accuracy of items reported. The CRA is has 30 days to verify and provide documented proof to alleged debtor. Please also provide your bonding agent should legal recourse in this matter be necessary.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it, I found several items on the report that are inaccurate/no proof that it belongs to the alleged debtor. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please DO NOT respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified/no contract accounts must be promptly deleted. Also, in accordance with FCRA regulations, any account that does not bear an original signature on contract stating that the alleged debt holder agrees to pay or verified such debt must be removed immediately. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. During the verification and validation of accounts, please note that federal law requires that all accounts under review are to be removed from credit reports until validated and verified. In accordance with federal guidelines on debt collection practices, verifiable proof would be a signed contract ( bearing original print signature ; excludes electronic signature ) between alleged debtor and creditor reporting an account to the credit repository. If no such contract exists, then by federal law the CRA is require under FCRA to remove the account ( s ). Failure to abide by federal guidelines could result in government sanctions, punitive damages being paid to alleged debtor. As a CRA, it is your responsibility to verify validity and accuracy of items reported. The CRA is has 30 days to verify and provide documented proof to alleged debtor. Please also provide your bonding agent should legal recourse in this matter be necessary.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act Convergent Account # XXXX under the name 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions All Accounts in Violation XXXX  XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I am requesting for Equifax to block and remove these fraudulent accounts immediately from my credit report. I have attached a copy of my police report as well as recent correspondence where Equifax removed these fraudulent accounts. Equifax is violating my rights and I will be suing your company. 


XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX BANK Account # : XXXX
Consumer complaint received 2022-04-08
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. (AZ)

I would like to request the suppression of this item from my credit report. The company has no agreement & is potentially fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

XXXX - XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}
Consumer complaint received 2019-08-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NJ)

Hi! I am filing a complaint against Western Union regarding a fraudulent activity that occured on XX/XX/2019 around XXXX XXXX. My online Western Union account was hacked and someone transfered a total of {$3800.00} in two separate transactions of {$1900.00} each. The hacker attempted for a 3rd transaction but due to inadequate balance in my bank account, the transaction canceled. To minimize red flags, the hacker used my friend 's name as the " recipient '' since I had sent her money in the past but they used a " fake address '' which was XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. Nothing comes up when you XXXX that address. 

I found out about the fraud 3 days later when I checked my bank account and found the balance to be close to zero. I called Western Union and they told me that since the transactions have been completed they will not refund me the money, I should file a report with my local police. The report # they provided me is XXXX. I have raised some very important concerns to Western Union for which I haven't yet received a reasonable explanation. They are listed as follows : 1 ) how was the hacker able to put in a fake address in the system? Why didn't the western Union app gave some kind of an error? While he used my friend 's name and phone number the address was entirely wrong including the ZIP code. 
2 ) even if the person was able to transfer, how could they pick up the cash in person with a fake address? You need an Id and a " pan card '' ( for tax purposes ) in XXXX to withdraw any amount over {$45000.00} so how was the person able to do that? 
3 ) When someone transfers money using a bank account it takes 0-4 days, in the past when I have sent money it has taken 3 days but somehow I qualified for the faster delivery that day and the money was available within minutes. I saw the email later. 
4 ) How could they approve the same transaction of {$1900.00} twice? If I had money in my account they would have allowed it to happen the 3rd time too. 

Western Union won't reveal the personal information the person who picked up the cash from a Western Union location such as the id that was scanned. They would only give to the law enforcement. While I am going to lodge a complaint with my local police, I am not sure if anything will come out of it so I wanted to try this channel so I can be heard. It was my hard earned money that I lost in a split of a second. I demand refund from Western Union for their negligence.

I really hope someone can look into this. 

I am attaching a few screenshots of the emails I received from Western Union that will show you the details. 

XXXX ( XXXX ) JXXXX
Consumer complaint received 2022-10-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (AR)

I sold an item online & was paid through Venmo. Venmo sent emails to verify my identity. Venmo later sent an email to verify my bank account. I completed those task as requested. My account stated that money would me transferred to my bank account through standard transfer on XXXX. After several calls & chats my account was permanently deactivated on XXXX. I have not been able to get an explanation, nor have i been able to access my account. In the email, Venmo stated that the funds would be held for up to 180 days. So now, my rent money, car payment, & money for travel ( I'm an XXXX XXXX ) is frozen/inaccessible. Venmo even charged me a sellers fee ( 1.9 % + {$0.00} ). I have been a Venmo user since XXXX & a PayPal user since XXXX. I'm not sure why they would leave me in such a bad position. I'm still not sure if I'm being scammed out of my money because all the emails, chats, & calls are basically robots or people that have no knowledge of what's going on inside the company.
Consumer complaint received 2022-10-08
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. (PA)

XXXX has 5 HARD INQUIREYS on credit report. Starting with XXXX XXXX. I never tried to buy house or it would have been bought .The other 4 hard inquires are when I got onto credit sesame e and my file was linked but those 3rd party credit services lie and scam. I need all 5 inquires off my XXXX report. This is hurting me. My children and elder mother. Trifling how these companies don't even do business in America. They lie to the XXXX and other XXXX to do and say what they tell them. My 5 gard inquires are fraud.
Consumer complaint received 2022-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Thayer Properties Inc. DBA Residential First Capital (CA)

My company, XXXX XXXX used loan servicers XXXX XXXX and XXXX XXXX at Residential First CapitalXXXX XXXX XXXX, CA for servicing a debtor. 

We were successfully paid off by the debtor and the money ( {>= $1,000,000} ) was wired to Residential First Capital 's bank account. 

Residential First Capital has refused to wire over XXXX 's cash unless I sign a waiver to release all claims that I may have against them for servicing the loan and I pay XXXX XXXX {$6000.00} in consulting fees. XXXX has no right to deduct any such fees from this money, but the bigger issue is that they are tying the handing over of my cash with this release of claims waiver. They are attempting to blackmail my company and hold it's cash XXXX unless I sign this waiver. They have made their demands via email ( see attached ).
Consumer complaint received 2021-05-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (KS)

Went online searching for a cheaper rate to refinance my mortgage. 

Using XXXX XXXX XXXX/ I found a XXXX XXXX mortgage rate XXXX I have a screenshot of the quote ) for my current loan at XXXX with an additional {$110000.00} Cash out option at an APR of 2.5 % and Lender Fees of XXXX. Contacted XXXX XXXX  got in touch with a XXXX XXXX. She couldn't get me into the loan details as quoted but noted that she would try. 

Followed up with her and she noted that although the rate was valid I wasn't eligible because my credit score was too high ( mine was XXXX, and they believe that rate was only eligible for XXXX ). I've never heard of such a thing my credit score is too high so I have to get a worse interest rate. I think they should have honored the deal as was quoted on XXXX, but they have elected not to. 

Hence why I am contacting you.
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (CA)

Prior to receiving my account activity for XXXX in the mail. The option to view recent transaction online was unavailable due to technical difficulties with the companies website known as www.eppicard.com. On XX/XX/19 I received my account activity in the mail and became aware of the fraudulent transactions. Contacted the XXXX reported my card lost/stolen. New card was expedited to me in the mail 2 calendar business days. 5 business days later I received my questionnaire of fraud form. Completed the form to the best of my knowledge. Documented the transactions I was disputing on the form from XX/XX/19 through XX/XX/19 totaling to an amount of XXXX dollars. Haven't received my XXXX account activities customer service had to give me the information of the amount and merchant names for XXXX. I Mailed the form out as soon as possible. Few days later I called the XXXX to check the status of my claim and I was informed that my claim was denied. Asked to speak with a supervisor that can possibly help me understand why it was denied. Supervisor informed me over the phone that it was denied due to me reporting my card lost/stolen on XX/XX/19. I stated the last time I used my card was five days after I reported it. Nothing in my statements or phone calls was on XX/XX/19. I wrote on the paper it was XX/XX/19 and they have evidence of me calling and reporting my card on XX/XX/19. Supervisor stated that he emailed the fraud service department to look at the claim again. On XX/XX/19 I received a letter from the fraud service department that they found a conflict in the information I provided so based on that they are unable to confirm that fraud occurred. On www.eppicard.com it states if I see an transaction I need to dispute contact customer service immediately and refer to XXXX XXXX  issuer disclosure. Which I followed and the disclosure states my debit card is insured up to XXXX. I contacted the merchants and they couldn't reimburse me I was told to contact my bank and follow there procedures.
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. (NY)

Accounts to be removed from report! 

XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 A. section 2 States : it also states a consumer reporting agency can not furnish a account without my Witten instructions Also the Credit Bureaus took more than 30 days to complete my investigation! 
-- Thank you, XXXX
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: EQUIFAX, INC. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I have contacted Experian and have not had this issue resolved. 
In accordance with the Fair Credit Reporting Act, everything reported has to be 100 % accurate on a credit report. 
Experian is reporting addresses that are not accurate or relevant. I did not give Experian permissible purpose to report false and inaccurate information on my credit report. I can not receive mail or any correspondence nor do I have access to any of these addresses. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
My rights have been violated under 15 USC 1681 section 602A, which states I have the right to privacy and under 15 USC 1681 Section 2 which states a consumer reporting agency may NOT furnish a credit report without the consumers written permission. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Inquiries : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I notice unauthorized inquiries reporting, I have called both creditor and credit bureau and have sent certified mail documents. 
XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX