davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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)

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 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 has violated my rights. Or 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 2021-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MSCB, Inc. (TN)

MSCB Inc flagged my XXXX credit report after submitting an affidavit stating that I had no idea what this bill was because no one ever sent me a bill therefore I have no knowledge of this bill. I have previously been a victim of identity theft and also have a family member with the exact same name and month/year of birth as myself. Also, these collection agencies purchase these accounts for pennies on a dollar hoping to get paid the full amount. It also again HIPPA violations for hospitals or medical providers to provide any information concerning patients due to charged-off bills but again I have no knowledge of the bill because I was never contacted.
Consumer complaint received 2023-06-28
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)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX RE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX TO DESCRIBE METHOD OF VERIFICATION DEAR EXPERIAN : TO WHOME IT MAY CONCERN : I am writing to request the method of verification for dispute initiated on XX/XX/2023 and a Reinvestigation XX/XX/2023 I sent a request for investigation under the FCRA 611 ( a ) to you. I received notice that you verified this information from these accounts listed. I would like to receive physical documentation to support this erroneous information on my report. 

FCRA states the information has to be verifiable and 100 % accurate otherwise the information must be removed under federal law. Experian has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. 

PLEASE SEND THE VALIDITY USED TO VERIFY THESE ACCOUNTS DISPUTED. 

1. The name of the original creditor 2. The creditor address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute 5. Was a XXXX form used or was this through electronic automation dispute process 6. Did you Contact them at the same address and phone number listed on my report Im accordance with the FCRA, section 611, I am requesting this information to review for completeness, and accuracy, and appropriateness. In lieu of of sending the information you can reopen the dispute insure a proper investigation is performed. 

Please do not update or validate this information again without doing a due diligence investigation. I am requesting to be provided with written contract & & physical documentation thats being reported on my credit report via usps mail. Screenshots will not suffice and I would therefore ask that you do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers the the specific questions asked to you in this letter. 

Please reply within 15 days or delete the negative items as originally requested. 

Please not that I am taking this matter very seriously and demand that you follow the law, Im its entirely and send me detailed information how you arrived at your conclusion, or else delete these items immediately!
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2023-06-28
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. (NY)

I sent a letter out to Transunion, XXXX XXXX XXXX XX/XX/2023. However it been more than 30 days and the credit bureaus failed to send my investigations back. This is not making sense. According to the law 15 U.S.code 1681 I Procedure in case of disputed Accuracy of any item information contained in consumer 's flie at a consumer reporting agency and the consumer notifies the agency directly or indirectly through a reseller of such dispute the agency shall free of charge conduct a reasonable reinvestigation to determine whether the disputed information is Inaccurate and record the current status of the disputed information or delete the item from file in accordance with paragraph ( 5 ) before the end of 30 day period beginning on the date.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (CA)

I am a hard-working, single mother, taking care of XXXX children. I live in XXXX, Ca. On XX/XX/2022, an unauthorized purchase was made in XXXX, Wa, in the amount of {$2500.00}. I contacted Chime to report this transaction as fraud. As I was on the phone with the representative to cancel my card, I received a text from Chime showing another unauthorized purchase was made in XXXX, Wa, in the amount of {$2000.00}. XXXX. I informed the representative that another purchase was made. He proceeds to cancel the card. He explains that I can't submit a dispute on these funds until the amounts settle on my account. He suggests I contact the merchant to see if they can reverse the transaction. I contact the merchant, they were no help. Once the amounts settled, I filed a dispute with Chime for these unauthorized transactions. They initially denied my claim, citing, " card in account holder 's possession ''. I submitted proof of my XXXX, Ca location at time of fraudulent purchases. I've submitted proof of purchases made in my XXXX, Ca neighborhood that were made minutes after the first unauthorized transaction, and minutes before the second unauthorized transaction. I believed they would see my actual purchase and conclude that if I have possession of my card, there's no way my card could be present in another state at the same time.They have denied my claim several times and I have appealed each denial. I've been going back and forth with them for six months now. I've submitted police report, I've submitted my location, I've submitted proof of purchases made in my California neighborhood in between the two fraudulent transactions, I've submitted my account transactions which show I have never made a purchase to this merchant nor in the state of Washington. This last denial, they submitted the purchase from the merchant which shows " card was present and pin was used ''. The same is true of the purchase I made in between the fraudulent transactions. If the card is present for both transactions and there is only one card, why are they not concluding this as fraud? This loss has caused financial turmoil in my life. I need this matter resolved.
Consumer complaint received 2023-06-28
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)

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 Account number:XXXX Account name : XXXX XXXX  Account number:XXXX has violated my rights. Or 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 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IN)

On XX/XX/XXXX, I received a {$250.00} annual membership fee statement from American Express ( Amex ) showing no other balance owed ( see attached ). The next day I phoned Amex to cancel my card; talked to XXXX who assured me the card was cancelled. However Amex continued to bill me {$250.00} plus {$40.00} in late charges every month since then. On XX/XX/XXXX, Amex sent me acknowledgement of my cancellation effective " XX/XX/XXXX '', but claimed I still owed the annual membership fee because my cancellation wasn't " processed '' within 30 days after it was billed ( see attached ). 
In XX/XX/XXXX, I talked to XXXX XXXX of Amex to get the charges dropped, to no avail. Instead Amex sent my file to XXXX XXXX for collection, which I disputed. I then obtained my credit report and discovered that Amex has been dinging my otherwise perfect credit. 
So I filed lawsuit in small claims court, which is pending. In response Amex has turned over my account for collection to XXXX XXXX XXXX. This may violate federal collection practices laws.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 Account number:XXXX Account name : XXXX XXXX Account number:XXXX has violated my rights. Or 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 2023-06-28
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 XX/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 2021-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

XXXXXXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2023-06-28
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. (FL)

There are multiple fraudulent items on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent items and they're still reporting on my credit report. 
I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.
Consumer complaint received 2023-06-28
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX - XXXX
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc. (CA)

I received a letter, dated XX/XX/2023, from XXXX indicating that I have a balance due of {$190.00}. My position is that I never used their services so I don't owe them any money. I have phoned XXXX and went to XXXX retail stores to resolve this issue several times but have not come to a resolution. 

After that I received a letter, dated XX/XX/2023, from AllianceOne Receivables Management , Inc. to collect the debt of {$190.00} for XXXX XXXX That letter states that I have until XX/XX/2023 to dispute the debt. I sent in my dispute, via email, on XX/XX/2023. A copy of the dispute is attached. 

The AllianceOne letter also states that they will send me information that shows that I owe the debt. Additionally, the AllianceOne letter states that collection must stop until they send me the information. XXXX has since sent me a bill dated XX/XX/2023, and a payment notice, dated XX/XX/2023 now for {$260.00}. To date, I have not received a response from AllianceOne regarding my dispute. 

The attached dispute to AllianceOne has more details. I have tried numerous times to get a copy of the agreement I signed. I can't access to it because XXXX shut down my account and they won't let me have access to my account unless I pay the bill. 

Please contact me if you need any more information from me. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I disputed fraudulent charges last year which resulted in my favor. I have since been receiving notices saying there was still a balance of around {$300.00}. In XXXX I was told the charges were late fees from those original charges that were supposed to have been taken off. I have called in at least half a dozen times, spoken with at least 15 representatives, and no one seems to be able to resolve this issue. All these months later, The account is now on my credit report as charge-offs. The recording when I called said there was a payment made over {$800.00} and I didn't make that payment. When trying to get this resolved, they took it upon themselves to lock the account for 30 days while in review. They refuse to let me speak with any supervisor, or do anything about this problem.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2022 I purchased a round trip flight from XXXX to XXXX  for my wife XXXX XXXX XXXX and myself through Chase Travel in the amount of {$1100.00} departing XX/XX/2022 and returning XX/XX/XXXX on XXXX XXXX. 
Trip ID XXXX. 
Departing flight info : Trip confirmation - XXXX Agency Reference XXXX XXXX XXXX and XXXX Returning flight info : flight confirmation XXXX Agency Reference XXXX Flight XXXX  XXXX and XXXX  XXXX I then had to cancel the flight through Chase Travel who told me I will receive a flight credit in the full purchase price of {$1100.00}. On XX/XX/XXXX I used {$250.00} of the credit to book a flight for my wife to XXXX leaving {$900.00} remaining in credit. 

I am now attempting to purchase a round trip flight for my wife and I to XXXX from XXXX and Chase Trace has not been cooperative at all. I have spent at least 6 hours explaining the situation to them in the past week and I currently have been on hold for 55 minutes of a XXXX call that is still ongoing. I have made multiple calls in the past week leading to people just hanging up and not calling back or transferring me to random people that have no history of the situation forcing me to start over again until I am hung up on. In the most recent phone calls they have told me to call XXXX XXXX instead of Chase Travel to use my flight credit. When calling XXXX XXXX they let me know my credit is only for {$250.00} and its only for XXXX as I was not on the trip. The trip that I booked on my card through chase travel. Since attempting to make the trip the cost of the trip has increased in addition to the several hours spent trying to obtain my credit. Chase has admitted to me having booked a round trip for two people and when asked how the credit can only be for XXXX they tell me to call XXXX. Then XXXX will send me back to Chase.
Consumer complaint received 2023-06-28
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. (GA)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account.