davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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)

Hi I am submitting this 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays 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 XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-08-10
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. (TN)

XXXX XXXX has been paid with a XXXX balance. Transunion is still reporting this debt with a XXXX XXXX balance i have filed XXXX disputes plus sent supporting documentation and they have still not updated this account. the decision not to update my file is affecting my ability to borrow.
Consumer complaint received 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

XXXX This account continues to appear on my Equifax/XXXX XXXX report. I have made attempts by phone and on-line, but they have yet to correct the above account for XXXX XXXX XXXX. The item was paid in full and should not have been reported by XXXX XXXX XXXX 's office to the credit bureau. Attempts to accesss my credit file are useless. Attempted to speak to a representative, today ( XX/XX/XXXX ), but, was placed on hold for more than 15 minutes when I finall disconnected the call.
Consumer complaint received 2018-11-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc. (TX)

A representative from Southwest Recovery Services ( XXXX ) attempted to contact my spouse repeatedly over an alleged contractual debt for martial arts classes from XXXX XXXX XXXX ( XXXX, Texas ). I called SRS to inquire and was told my Spouse owed {$840.00} for cancelling her agreement with XXXX. I asked them to mail me a copy of any contracts or agreements signed by my spouse and they refused, they then said they would email me the agreements in 5 minutes which they failed to do even hours later. Additionally, I said that I was questioning the validity of the debt and the Representative from SRS said that I couldn't do that and owed the debt on behalf of my spouse. I was told that if I didn't pay the debt they would ruin my credit by reporting to the agencies and they had my social security number. They did know the last 4 digits of my social ... I asked how they got my social and they would not tell me, I didn't give it to them and neither did my wife. I asked them repeatedly to tell me where they got my social security number and they got very defensive. I said I would report them to CFPB and they hung up on me. This really concerns me that a XXXX XXXX agency can ascertain a private citizens SSN without consent. I am really worried that if I don't just may them {$840.00} immediately they will report negative information to the agencies. I don't know what to do.
Consumer complaint received 2018-11-17
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. (MA)

XXXX XXXX XXXX is refusing to remove a collection item from my Experian Credit Report in the amount of {$43000.00} for a debt which was cancelled by XXXX XXXX XXXX in XX/XX/XXXX. The cancellation letter clearly states that XXXX XXXX is relieving me from the debt. Multiple disputes have been filed in the months of XXXX and XX/XX/XXXX with Experian and XXXX XXXX XXXX still claims the reported item is accurate. I need this item to be removed from my credit report as the debt was forgiven by XXXX XXXX XXXX who is the original vendor. all objective evidence is attached.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I was on active orders during XXXX XX/XX/2023 and XXXX XXXX bank during this time reported my account as past 30 days due. I was financially restricted however I did have a payment setup as they would call me and I would make the payment. They never called or notified however they knew I was on active orders during this time. The next week I called and paid the balance in full, that same month they reported my account as 30 days past due. Afterwards I reached out to them on XX/XX/XXXX regarding it to be removed, then again XXXX XXXX. Nothing has been done and no fix was made.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NV)

On XX/XX/22, I applied and was approved for a Wayfair Mastercard. I made a purchase totaling {$370.00}. It contained 2 items, a bed for {$340.00} and a protection plan for {$37.00}. When I went to make the purchase, the system said the purchase of {$370.00} was eligible for a 6 month promotion ( no interest if paid in full by 6 months ). I spoke to customer service at the credit card ( Citibank ) that night to be sure, and was told that was correct, but that I needed to call them when the items shipped to have the promotion applied. I called them today ( XX/XX/22 ) and was told by XXXX that only the {$340.00} can be put on the promotion because that was the full balance on my account. I told her the full balance is {$370.00}, but she said I was wrong. I hung up and double checked with Wayfair, and they confirmed that my order is for 2 items totaling {$370.00} ( which I also confirmed on my receipt ). I called Citibank back and spoke to XXXX. XXXX spoke to her supervisor and was told they can not put the other {$37.00} on the promotion because the amount is not over {$200.00}. They are looking at it by EACH item, not the full order, which is what they are offering/advertising. This is a fraudulent offer. I tried again, just to see, to go in and purchase several items, all around {$50.00} and under, which totaled over {$200.00}, and again it said I qualified for the 6 month promotion. They are advertising this, but when you make a purchase, individual items under {$200.00} are not put on the promotion. I would like this looked into as they are advertising something they are not doing. I have attached a copy of my receipt. Please let me know if you need any other information you need. Thank you.
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

on XX/XX/2020 I mailed a letter asking for verification of inaccurate accounts listed on my credit report. I have not received results or a response yet and these inaccurate unverifiable accounts are still showing on my credit report.
Consumer complaint received 2023-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Im an over 10 years PayPal user who has never violated the Acceptable Use Policy. Despite this, I received the horrible shock of a You can no longer use PayPal email on XX/XX/XXXX. I tried to contact paypal about why my account has been limited and got responses of reason for risky activities. Then I checked the paypal terms, it said : " Higher risk activity We may limit your account if your seller performance indicates high risk activity. This can happen if you : Receive an unusually high number of claims and chargebacks from your buyers, which are an indication of poor seller performance Start selling an entirely new type of product, such as a higher-cost item like jewelry Experience rapidly increasing sales volume, which is out of nature with your usual sales patterns In these cases, we may limit your account while we do a review. '' But I primarily use my PayPal for online shopping payment processor and utility bill pay. In addition, I checked these years ' activities, there is no chargeback, no return or refund in my PayPal and also no money sending or requesting. Everything I do on PayPal is completely legitimate. Here are several examples of recent transactions : XX/XX/XXXX : {$490.00} sent to XXXX XXXXXX/XX/XXXX : {$5.00} sent to XXXX XXXX XXXX XXXX XXXX : {$450.00} sent to XXXX XXXX None of these violate the AUP. To be honest, I have no idea what could have triggered this mistake. I reviewed it in close detail. I looked on r/PayPal and I am not the only person who has had this problem - many users have been wrongly suspended for no apparent policy violation, especially within the past several days.
Consumer complaint received 2018-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MS)

I received a notification on XX/XX/2018 from XXXX & XXXX is still investigating, and inaccurate reporting of bankruptcy discharge in the file they maintain under my social security number. The documents I received from these agencies list its " method of verification '' from XXXX or XXXX XXXX. I have attached a recent letter from XXXX XXXX reporting the inaccurate bankruptcy has been removed from the files they maintain under my social security number. I have requested from both their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Both are operating in bad faith which is an additional violation of FCRA 611 ( 5 ) ( A ).

According to 15 U.S.C. 1681 Fair Credit Reporting Act Section 602 ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy.
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

The following account came from a approval of a specific extension of credit that I provided a non negotiable instrument for payment. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2018-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am XXXX XXXX of XXXX XXXX XXXX, XXXX, fl XXXX. Email XXXX. Phone # XXXX. 

On XX/XX/XXXX of this year an unknown person went to my local post office and fraudulently submitted mail forwarding from my home to : XXXX XXXX XXXX, XXXX XXXX, Fl XXXX On the same day an account with Capital One was opened in my name. I have never had, do not have, nor have I ever applied for any product with Capital One. 

On XX/XX/XXXX, Capital One contacted me via letter requesting further information about what they claimed was my application, funny, perhaps they have should done that before they gave up {$32000.00} and ruined by credit, and created distrees, anxiety, and massive inconvenience, affecting my personal and professional life. I learned that someone opened this account and charged over {$32000.00} to it. No payments were ever made. 

My credit score has dropped over 200 points. 

Capital One has promised to resolve the issue but it still appears on my credit. They have been very difficult to work with. I cant understand how they would give so much money out in my name without bothering to confirm my identity thoroughly. 

Capital One case # for account ending in XXXX, case # XXXX XXXX XXXX XXXX What can I do to resolve this?
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NC)

XXXX of 2022 I contacted Synchrony bank to dispute the opening of a Lowe 's charge card. They do not communicate with me nor does XXXX XXXX respond to phone calls. 
They claim that this is my account. When I asked to show video proof of purchase they decline yet say that I benefited. When I requested to know who has been making payments on this account, I get no response. I have never made a payment to this account it is someone else 's account and that would be who has been making payments. 
They claim to have sent me monthly statements in the last 12 months. They did not have my address or phone number until I called to dispute the account. Please show me historical statements that link to any address I have had. 

Their investigation is pitiful, they have XXXX validation of this account to me, yet they refuse to discuss.
Consumer complaint received 2018-11-17
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. (GA)

Hi. I primarily work in the zone where Hurricane Michael hit. I had an interuption in income for a few months as I am XXXX XXXX XXXX in XXXX XXXX/XXXX XXXX.

Getting back on my feet but asked for the 3 month Hurricane Relief. 
My other car loan with XXXX XXXX granted me relief ; but XXXX XXXX after multiple attempts not only did not grant ; but then marked my account 30 days late.

After multiple complaints to management with many sales folks ; they finally agreed to modify 1 month and continued to mark me 1 month late.

# 1 : I would like the 30 day late removed as they modified me one month for the Hurricane Relief.

# 2 : I would like them to reconsider the 3 month abatement.

# 3 : Remove late fees Again, my mortgage company and other car loan readily helped ; however, XXXX XXXX maybe helped a little ; but also penalized my credit report with the late. 

Thank you. 

XXXX
Consumer complaint received 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AR)

XXXX  IS ONCE AGAIN REPORTING XXXX BANKRUPTCY PUBLIC RECORD BELONG TO XXXX XXXX XXXX, XXXX AND 4 ACCOUNTS IN OTHER SECTION, BEEN PENDING DISPUTE STATUS FOR 5 MONTHS NOW DELETE ALL 4.
Consumer complaint received 2023-08-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (GA)

Since XX/XX/2022 I have requested this collection agency to validate a medical debt regarding a VA hospital where I have never visited, this account is part of the fusion of information from other people such as names and addresses that I have never lived in VA and FL that even the XXXX XXXX and XXXX have not made such requested corrections.
Consumer complaint received 2023-05-17
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. (IN)

I have filed several disputes, contacted the agencies, contacted the inquiry companies, sent letters, fraud alerts, was a part of the credit reporting breach, filed ID theft reports, from XXXX XXXX XXXX I have spent over 35 hours emailing calling, reporting, researching and several items are incorrect on my report. Filed police report XXXX dispute charge off remove XXXX XXXX XXXX XXXX in full closed by me, incorrect reporting been closed since XXXX! 
XXXX car XXXX was bankruptcy-disputed These inquiries have been unauthorized and unverified and I want them removed. These inquiries occurred without your knowledge These inquiries occurred without your approval These number of inquiries exceeded what you expected or what I ever applied for Inquiries Transunion- XXXX XX/XX/XXXX NEVER ME!, XXXX  XXXX XX/XX/XXXX Not me! 
XXXX XXXX XXXX  XXXX XX/XX/XXXX NOT ME, XXXX XXXX XXXX XXXX and XXXX XXXX none of these I ever applied for. 
XXXX XXXX XXXX XX/XX/XXXX Never even heard of them!, XXXX spoke with multiple times, and two XXXX XXXX back to back! I have all my dispute info and proof I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore doesn't exists
Consumer complaint received 2018-11-17
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. (NC)

On XX/XX/XXXX I mailed a letter to Experian advising them of several addresses and information about my employment that were on my credit report were fraudulent and they need to be removed these addresses are XXXX XXXX XXXX XXXX nc XXXX, XXXX XXXX XXXX XXXX Nc XXXX, XXXX XXXX XXXX XXXX nc XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX. I also have never worked as a self employed person or at a company called XXXX XXXX .... at the time I sent an affidavit letting them know that this information was incorrect and my drivers license with my correct address [ XXXX XXXX XXXX XXXX, NC XXXX ] I also called Experian on several occasions to have all of the false addresses removed. I have discovered that since XXXX fraudulent accounts have been opened at the fraudulent addresses and I am doing all I can to stop all of this stuff I sent the original affidavit to Experian so I have had to fill out another one but I am submitting it to you today so that you can hopefully assist me in getting this corrected immediately this is just one of  many issues I have had since discovering these issues. also I have tried to address inquiries that were fraudulent from XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-06-23
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. (OK)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  Account : XXXX Balance on XX/XX/XXXX {$1800.00} Date opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX has violated rights of privacy.

15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting acengy can not furnish an account without my written instructions.
Consumer complaint received 2023-08-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I received a letter from this company today saying I owed {$17000.00}, but without any information saying who the debt was from. I called the number provided and the representative confirmed that it was a student loan debt, but she couldn't say from who or when. I pointed out that it looked like a scamespecially when I don't remember taking out any loans with themand it was very probable that they were out of the statute of limitations for my state, just like everyone else that has tried to collect on me over the last year. ( XXXX XXXXXXXX, people. Look it up before trying to collect on a XXXX! ) She said I could send a notarized cease and desist letter to [ email excised ], and I said, " Yeah, and that's going to cause you to waste paper, ink and postage to send me a huge packet of papers that only confirms that you're in the wrong, at which point I'll contact the Consumer Financial Protection Bureau to make you go away. Excuse me while I skip straight to that last part. You have a nice day. ''
Consumer complaint received 2021-04-02
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Feldman & Stern, LLC (FL)

Starting on XX/XX/01 a person going as XXXX XXXX said he was an attorney, if I didn't pay a gym membership to a gym I didn't attend, said if I don't pay XXXX hr will have my wages and they will take everything owned by me, furniture, TVs etc. He told me to borrow the money. I told him this was a pandemic, we arent in a XXXX  pandemic. Said use your stimulus money. I said I can call back in a week and he no because he knows I'll have anotheXXXX XXXX XXXX  Excuse. 

Hes been calling and leaving messages everyday since then/