davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc. (NC)

Subject : Dispute Reasoning Letter - Request for Immediate Deletion of Unauthorized Inquiries from Consumer Report Dear Sir/Madam, I am writing to formally dispute the presence of certain unauthorized inquiries on my consumer report maintained by your agency, which violate my rights as a federal protected consumer under the provisions of 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b. I request that you take immediate action to delete these items from my consumer report in accordance with the applicable laws and regulations.

As a diligent consumer, I have thoroughly reviewed my consumer report and discovered the presence of inquiries that have been reported without my written consent, thereby contravening the provisions outlined in 15 U.S. Code 1681c-2. This violation is not only a breach of my privacy rights but also undermines the fundamental protections guaranteed to consumers under the U.S. Constitution.

Moreover, in accordance with the " saving to suitors '' clause as prescribed in sections 41 ( 3 ) and 371 ( 3 ) of title 28, U.S.C., I am asserting my rights to seek resolution of this matter through appropriate channels. The fraudulent reporting of these inquiries is in direct violation of the principles enshrined in the U.S. Constitution, which upholds the sanctity of individual rights and protections.

I kindly request that you promptly investigate this matter and initiate the necessary steps to delete these unauthorized inquiries from my consumer report. It is crucial that your agency takes immediate action to rectify this error, as the presence of these inquiries is not only inaccurate but also has the potential to impact my creditworthiness and financial well-being. 

Please find my information below for reference : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX Email Address : XXXX I expect your full cooperation in resolving this matter expeditiously, within the prescribed timeframes as defined by the Fair Credit Reporting Act ( FCRA ). Failure to comply with these legal obligations may leave me with no choice but to pursue further action to protect my rights as a consumer.

I would appreciate a written confirmation acknowledging receipt of this dispute letter and providing an outline of the actions you intend to take to address this matter. Furthermore, I request that you provide me with a copy of my updated consumer report once the unauthorized inquiries have been removed.

Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism, adhering to the legal guidelines and your responsibilities as a consumer reporting agency.

Yours faithfully,
Consumer complaint received 2023-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (SC)

On XX/XX/2023 I purchased a set of custom curtains from XXXX. The seller advertised themselves as being in the US. Their seller name is XXXX, other buyers have stated they've misrepresented themselves as US sellers as well. After waiting for tracking I reached out to the seller who gave me a bunch of excuses like " he wasn't in the right mood because his father died ''. The curtains arrived in the incorrect color, with major sewing defects and in an entirely different pleat style than what was ordered. I asked XXXX to step in, but since the seller only accepts Paypal, I was pushed off to open a PayPal dispute. After opening a Paypal dispute the seller agreed to a full refund of {$250.00} after I shipped the item back to the address he provided IN XXXX. A couple quick online quotes to ship these heavy curtains to XXXX showed at least {$500.00} in shipping. I told Paypal and they don't care. I advised them of my consumer right to non-defective items- they still didn't care. I purchased this on my linked XXXX so ended up calling them to initiate a chargeback WEEKS after attempting to work with Paypal. I've been a paypal business customer for decades and provided many photos of receiving a CLEARLY DEFECTIVE item from this XXXX seller ( that also appears to have their Paypal account in California? ). This is fraudulent behavior that Paypal is condoning with their complacency.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2022, a fraudulent wire transfer of {$25000.00} was taken from my checking out following an illegal sim-card swap on my XXXX  device. Both the sim-card swap and bank transfer occurred at location in the state of Colorado. I was and am located in western Washington and have never been to the state of Colorado. I immediately drove to the XXXX, WA Bank of America location ( XXXX XXXX XXXX XXXXXXXX XXXX WA XXXX ) and tried to stop the transaction. They refused to help in-person and instead gave me a phone number for their fraud department. After calling the number, the representative informed me that they could not help with sim-card swaps since they need to verify ID using the same number that was currently stolen. I immediately went to the XXXX store ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA ) to retrieve my number which the store rep confirmed was swapped in Colorado without my consent. 

The following morning, on XX/XX/2022, I went to the Bank of America location in XXXX, WA ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) where I filed the fraud case and they assured me that the case would be investigated. Bank of America promised a 90 day resolution time where they would either refund or give next steps. Bank of America has still not offered any solution. It is my belief that the fraudulent transaction occurred in-person with a fake ID at Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX received an email from the bank saying I had visited this location. I have called the Bank of America fraud services multiple times request information about the case, and they refuse to investigate. 
My case number is XXXX.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-12
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im currently in litigation with XXXX XXXX XXXX  and because of this they revoked my online account access and refuse to take/process my monthly payments. When I call to make my payment they ask me to call back in a week because they have to email the legal department for approval. Since they have refused to take my payment on my first call - its approved and processed after the XXXX. They have been reporting late payments since XXXX and some in XXXX. Please help stop these monsters!!! You can see that prior to the false reporting I have mentioned below - I have never had a late payment to XXXX XXXX XXXX!!! Ever XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Shame on this financial Institution for doing this to me.
Consumer complaint received 2018-07-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (CA)

1.XX/XX/XXXX-XXXX XXXX phoned my sister and brother in law about trying to be served by XXXX XXXX XXXX XXXX. 

2. XX/XX/XXXX-Phoned XXXX XXXX XXXX XXXX and spoke with XXXX XXXX and he informed me that they are trying to serve me for a debt I never had and he will not give me any documents that show this debt. Instead he sends me a letter stating that I agreed to pay the {$930.00} which is incorrect because I will not be paying for this debt I never had and never received any letters about this. XXXX told me that all letters where sent to an old address that goes back to XX/XX/XXXX. Also Mr. XXXX told me he would talk to XXXX XXXX about talking to my sister and given out my information to her. 

3. XX/XX/XXXX-Left voicemail message for XXXX XXXX letting him know that I have filed a complaint with CFPB and the FTC. That I don't want anymore phone calls from them.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2023-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is for a Business Checking account with Bank Of America. One of our X employee cashed his paychecks ( multiple paychecks ) Twice. Bank of America failed to catch that same checks were being cashed twice. On multiples of checks, all cashed twice. 
We opened a Claim on XXXX : Claim # XXXX Amount of all checks cashed {$6500.00} Bank of America Fraud Dept . never follow up., We kept a log calling them., They kept on delaying. They made me go through providing copies of checks and having them notarized, while all along they should have all these records in their own system. Now they denied my claim stating time has passed and they can not help me. We opened a request to reconsider. No one ever followed up until I followed up myself and I am told, tough out of luck, time has passed and they will not reverse these funds back to me. This is OUT RIGHT FRAUD. The MOST BASIC function of a bank is to NOT CASH any check TWICE. They failed to do that on multiples of occasions,. When we saw it and caught up to it, they are hiding behind time limit. This is a FRAUD and we need help in getting protected and hold this bank accountable.
Consumer complaint received 2023-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

On Friday, XX/XX/2023 ( about a week before interest rate accumulation was to resume ) at XXXX XXXX I called AidVantage ( formerly XXXX ) to make a large final payment, or so I thought, to close out an existing loan. The amount was for nearly {$25000.00}. I had been saving up for the past XXXX and a half years taking advantage of the pause in interest accumulation. Upon being connected to a representative, I requested a specific loan be paid off in its entirety and proceeded to provide them with the loan number, its amount according to the AidVantage website, and then my debt card to complete the transaction. The representative confirmed and even acknowledged they could see that I had logged onto their website. Upon confirming from the representative twice of the amount I needed to pay off the loan, they reconfirmed and then let me know the transaction had gone through before provided me with an email containing the pertinent details. The representative said it would take a few days for the website to catch up to their internal records. On Tuesday, XX/XX/XXXX, I get a letter from AidVantage telling me that the loan payment I made was not sufficient and that an amount balance of over {$400.00} remained identified as " Unpaid Principal ''. Upon learning of this, it became apparent that all of my loans on their website were lacking that financial detail. This is not to be confused with the " Original Principal '' or " Interest Rate or Interest Accumulation Amount ''. This information is not provided on their website and is not listed anywhere in the total amount of the loan I was attempting to pay in full. This company, and XXXX prior, has had XXXX YEARS to get their ACT TOGETHER. THEY HAVE FAILED. If they expect students to pay their loans, THEY MUST PROVIDE ACCURATE FINANCIAL NUMBERS TO THE LOANS. THIS IS UNACCEPTABLE. IN ANY OTHER BUSINESS THEY WOULD BE LOSING CUSTOMERS! However, I am beholden to them courtesy of the United States Department of Education. Now, that remaining " Unpaid Principal '' has accumulated interest costing me more money. Of course, I am not without blame. I sadly chose to go to college ; the worst advice to ever get from the XXXX XXXX XXXX. That educational path was, and continues to be, my biggest financial mistake. COLLEGE IS NO LONGER WORTH THE PRICE. TO ANY PROSPECTIVE COLLEGE BOUND STUDENT ... XXXX WARNED! STUDENT LOANS ARE NOT WORTH IT! FIND ANOTHER WAY! AIDVANTAGE IS TERRIBLE! XXXX IS TERRIBLE! THEY ARE ALL TERRIBLE! Best of luck to us all now that loan repayment has resumed, we're going to need it.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Im unable to view my credit report for XXXX or XXXX online they keep stating they have my ID but not my social so here is my social security card contact me let me know youve lifted this imaginary hold also make sure you remove any fraud alerts because I never requested a fraud alert
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX XXXX ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G -  VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account.