davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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. (PA)

I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.
Consumer complaint received 2019-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX, I was trying to purchase concert tickets and was scammed on XXXX by someone that said they would send me the concert tickets after I sent them half of the money ( {$45.00} ) as a safety measure. Once I sent them the money, they blocked me completely and I was unable to communicate with them further. The money transfer was initiated through XXXX which is a service my bank Wells Fargo offers. I have tried to contact my bank as well as XXXX and they stated to me that they filed a claim and I would hear something back within 5-7 days. This was on XXXX the XXXX. It is now XX/XX/XXXX and I tried contacting Wells Fargo with a claim number that I received and had to speak with 8 different departments before I was told nothing further could be done and they did not know what department I needed to speak to. The claim number that was given to me was XXXX.
Consumer complaint received 2023-07-26
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. (FL)

According to the FRCA the term investigate consumer report Means a consumer Report a portion thereof In which information on Consumers character, General reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information.

They stated my account were verified but how is that possible if they did not do the proper investigation according to the law also every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracy **I have never signed any written documents saying I owe this debt to the collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX resource They are violating my rights under the FCRA as a consumer I dont know who they are and have not written consent form on my end Also they have not verify that I owe this debt to this allegedly company Please have this remove from all credit bureaus **Invalidated debt/ debt has been invalidated Contract has been canceled ***Pursuant to 18 USC 8. I owe no debt. This company is violating My consumer right to privacy Pursuant to 15 USC 1681 B 2 Company has also NO permission To report anything using my information to 15 USC 1681 4 **I have never signed any written documents saying I owe this debt to the collector They are violating my rights under the FCRA as a consumer I dont know who they are and have not written consent form on my end Also they have not verify that I owe this debt to this allegedly company Please have this remove from all credit bureaus
Consumer complaint received 2023-07-26
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for ANY purpose!
Consumer complaint received 2023-07-25
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

First, I would like to ask the National Credit system to stop reporting this account on my credit report because they are injuring my credit profile and this has caused my credit score to drop XXXX points, they have caused some of my credit limits to drop and I am unable to obtain more credit. 

I have asked the National Credit system for Debt Validation and they had failed to do so, I demand a line-by-line w/description explanation and supporting documents ) from the first month, I would like to see from XX/XX/XXXX to XX/XX/XXXX which they have failed to provide. They are reporting on my credit report knowing they have not validated the debt according to 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation. 

This account is also reporting charges that do not belong to me I have asked the national credit system to Explain in writing what is an initial late fee in the amount of {$310.00} and where I agreed to pay every month for XXXX months in the state of Georgia. My rent was NEVER late but my rent was refused by the leasing office. Rent was refused for unit XXXX ( see attachment below ) therefore it would be impossible for XXXX XXXX nor National Credit System to try to collect the initial late fee late payment in the amount of {$310.00} for XXXX months. Please provide me with any supporting documents that XXXX XXXX tried to collect rent from me. 

This account is also reporting a {$200.00} paint fee, I have already paid an {$130.00} clean move fee and the company did not return my security deposit therefore they can not keep charging me fees on top of fees. Needless to say, the apartment has to be repainted each and every time its rented my unit has normal wear and tear. 

Here are a few more other things I am looking for in connection with the National credit system collecting this debt. 
Any creditor regarding this account has made any insurance claims ( I need ) Any Judgments obtained by any creditor regarding this account ( I need Name on the file of the alleged debtor ( I need ) Address on file for the alleged debtor ( I need ) Amount of alleged debt ( I need ) This alleged debt became payable ( I need ) Date of original charge off or delinquency ( I need ) Verification that this debt was assigned or sold to the collector ( I need ) Complete accounting of alleged debt ( line-by-line w/description explanation and supporting documents ) from the first month I paid my rent and my security deposit. ( I need ) Explain in writing in my lease, what is an initial late fee in the amount of {$310.00} and where I agreed to pay every month for XXXX months in the state of Georgia ( I need ) Commission for debt collector if collection efforts are successful ( I need )
Consumer complaint received 2019-05-21
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. (GA)

I contacted Experian due to reporting an account with XXXX. I am a victim of identity theft. I reported it to all bureaus XX/XX/2018. I contacted the company and they social security number listed on these accounts ARE NOT MINE! I have provided the bureau 4 times with my drivers license, proof of address and front and back of my social security card that clearly displays my social security number. Ive spoken with someone in their fraud department x2 and they still will not remove this information from my report. There were 20 accounts showing and they only removed 12 and left 8 remaining on my report. They are the only bureau showing this account that belongs to someone else with a similar name but not the same social. My fraud report with FTC : XXXX
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (WI)

I tried to use a prepaid Vanilla Visa Prepaid Gift Card on XX/XX/XXXX, issued by my employer ( and was already activated when I received the card ) and it was declined ( expiration date is XXXX/XXXX ). Went to check the site and saw there were charges made in XXXX. I had not used the card, nor did I receive any notice that the card had been used. I called the customer service number to report it immediately when I became aware of this and was told to fill out paperwork - this was on XX/XX/XXXX ( same date as I became aware of the charges not made by me ). They sent a packet out via email which I filled out and returned. I received a request for additional information on XX/XX/XXXX which I filled out and returned. The gift card was for {$500.00} with charges of {$490.00} already used. 
I now received a notice XX/XX/XXXX that they closed the case and I had not reported the fraud charges in a timely manner. I never received any notice the card was used and I reported the fraudulent charges on the same day I became aware of them. 
I was not the one that purchased the card, it was purchased as XXXX gift to me from my employer.
Consumer complaint received 2023-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (SC)

( 1 ) I am currently employed by a qualifying employer. I am part of PSLF program and submitted an application in XXXX for forgiveness. I am missing payment periods from three periods of time : XXXX through XXXX, XXXX through XXXX, and XXXX through XXXX. I have contacted the servicer multiple times via phone and mail pertaining to the missing periods with an inadequate explanation. The periods are not showing as eligible neither non-eligible. I wish to get the periods considered for eligibility. 

( 2 ) Before my loans were transferred and during the Covid pause, I obtained an IDR with a repayment amount of {$87.00} monthly. I have contacted the servicer numerous times to ensure the correct repayment is showing. I have provided the servicer with my current IDR that is not due for recertification until XX/XX/XXXX. The servicer increased my payments to {$140.00} incorrectly. My payments should remain at the rate of my approved IDR in the amount of {$87.00}.
Consumer complaint received 2023-07-25
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-04-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I XXXX XXXX have never had the correct birth year on my transunion report. I was born in XXXX and it has said that I was born in XXXX for most of my life until I noticed it. 2 months ago they said they would change it. Now when I just pulled up my credit report I find out that they just deleted it altogether. Ive tried calling mailing. The website wont let me in because it says I have invalid information. Just like every loan or credit card I have ever tried to apply for in my life. 
Please help me.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6000.00}
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-07-25
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. (VA)

I am a living person. I have rights under 15 USC 1681 The 3 major credit bureaus are govern by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. Furthermore in regards to these accounts below : the " date opened '' dates do not match across the 3 bureaus. In addition, multiple accounts with late payments have inaccuracies in regards to how many days late these accounts were paid. For example, many are reported being 30 days late on 1 credit bureau but that same account is being reported as 60 days late on another credit bureau. How can this be? 

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 Please note these are not the full account numbers. They contain XXXX  at the end of each and will not be given here in order to protect my personal information.
Consumer complaint received 2023-07-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (NY)

I am filing a complaint regarding Paypal. I opened a Paypal account and soon after opening it was hacked. I filed a case with Paypal as well as my credit card company who ultimately resolved the issue and refunded the charges. However, the case with Paypal, opened on XX/XX/2023, has been left open by Paypal and I did not hear anything further about it. On XX/XX/2023, I contacted Paypal after receiving emails about an invoice on Paypal from someone looking for payment from me ( that I had no knowledge of ). I had already detached my credit card from Paypal after the initial hack back in XXXX and I now wanted to close the Paypal account given the email I received and concerns about Paypals security. However, I was told by multiple people at Paypal they would not close the account unless I submitted more information via a link they would send. Please understand, I have no interest in submitting a copy of my personal identification via a link to Paypal considering the lack of security I have experienced. To be clear, all I want is the account closed and I was told by multiple people ( including XXXX, employee ID # XXXX ) that they would not close the account unless I provided more information. If Paypal was willing to let me use the account without this information there is no reason why they cant also close the account.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (CA)

Middle class tax refund sent out debit card to us in XXXX for {$1000.00} which we did not receive. Apparently, the cards were stolen, and the fraudsters were able to activate the cards and take out the cash in 2 separate transactions from a XXXX XXXX XXXX in XXXX XXXX back in XXXX. We found out in XXXX that we were supposedly to receive the cards when we were issued a 1099 tax statement. After numerous calls to the state, we were put in touch with Money Network ( card issuer ). We filed a complaint which was denied and then we appealed. Money Network indicated that the initial request for the $ was turned down because the cards had been activated with personal identification information. We are still awaiting the final decision on the appeal with Money Network but it is long overdue, we have passed the 90 working days on the appeal to get an answer. We constantly call and get the " no determination at this time '' as our answer from Money Network. We are in the XXXX month of this process without any resolution.
Consumer complaint received 2023-07-25
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. (GA)

I recently received a copy of my ( Experian ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX. ACCOUNT XXXX XXXXXXXX {$24000.00} XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX {$24000.00} XXXX ACCOUNT XXXX XXXXXXXX {$0.00} Your company is in clear violation of the law. Under 15 USC 1681b - 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 USC 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, this agency is in violation of 15 USC 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 USC 1692g violations. 
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-07-26
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. (FL)

According to the FRCA the term investigate consumer report Means a consumer Report a portion thereof In which information on Consumers character, General reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information.

They stated my account were verified but how is that possible if they did not do the proper investigation according to the law also every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracy **I have never signed any written documents saying I owe this debt to the collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX resource They are violating my rights under the FCRA as a consumer I dont know who they are and have not written consent form on my end Also they have not verify that I owe this debt to this allegedly company Please have this remove from all credit bureaus **Invalidated debt/ debt has been invalidated Contract has been canceled ***Pursuant to 18 USC 8. I owe no debt. This company is violating My consumer right to privacy Pursuant to 15 USC 1681 B 2 Company has also NO permission To report anything using my information to 15 USC 1681 4 **I have never signed any written documents saying I owe this debt to the collector They are violating my rights under the FCRA as a consumer I dont know who they are and have not written consent form on my end Also they have not verify that I owe this debt to this allegedly company Please have this remove from all credit bureaus