davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (MD)

My rights are being violated by the following credit reporting agencies XXXX, XXXX and Experian. I never gave them any consent or any written authorization to report any of my private or personal information. By law ( Bad Credit is illegal ) according to 15U.S Code 1681b ( 2 ) CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : Permissible purpose of Consumer Reports : In accordance with written instructions of a consumer to whom it relates or an order, a subpoena issued in connection with proceeding before a Federal Grand Jury. I have tried to get this matter resolved serval times and have been unsuccessful. This is affecting me mental and financial and this is also discrimination of my credit history creditworthiness according to the law 15 USC 1691 scope of prohibition : I demand that all accounts and inquiries are reinvestigated for the proof of my authorization of my written consent I demand the removal of all items. For Each Violation that is not reinvestigated you will owe me {$1000.00} for each Violation found. # fcraviolation # fdcp # consumerlawsrights # consumerlawsrights FCRA SECTION 604 ( a ) since there's no written consent that's considered identity theft
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. (NY)

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX 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
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank/PayPal has and continues to charge us late fees and interest on Fraudulent charges that they have since resolved. However, the previous late charges and interest have not been credited and they continue to charge additional late fees and interest as they consider the account delinquent. We have tried several times to get this resolved but it does not appear they understand how their systems work. Should be simple math. We had a XXXX balance. Fraud was committed on the account. Fraud is resolved. No additional purchases as account was closed out. Account balance should be XXXX.
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AR)

I purchased a service from a seller via Paypal. Paypal transferred my money and I received nothing in return. I was scammed for almost {$2000.00} & XXXX did absolutely nothing to return my money after being scammed. Paypal also did not assist me and sent a basic copy & paste message just like XXXX. Both companies are ultimately responsible for not providing me with my money that I need back. Just to be XXXX clear I NEVER received anything for that large sum of money. It seems like they refuse to even check the information & proof I have provided. XXXX has also refused to create a new dispute & even completely filed everything incorrectly. The charges were filed for around {$9.00} instead of the XXXX $ needed for a certain charge.
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (FL)

My name 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 2023-06-27
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. (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2022-11-28
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. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the suppression of these items from my credit report. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please delete the accounts below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

Hello PayPal team, my PayPal account link with the bank prompts for security verification, and the security verification page does not display my account mobile number, which makes me unable to complete the security verification, bank link and cash withdrawal, please help me I have contacted PayPal customer service many times, and the answer given to me is " wait ''. I have been waiting for two years. How many two years are there in life?
Consumer complaint received 2016-05-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express has a credit card issued under my SSN with a {$22000.00} limit. It appears in my credit report. I had never applied for this account and its a fraud account. The name/address/dob on the account does not match mine. I have sent Amex a notarized affidavit of Identity, a copy of SSN card, Driver 's License, FTC report, Receipt of police case and an affidavit stating that I have no XXXX XXXX checking/saving account which they claim I have used to pay for this fraud Amex Credit Card Account. I have raised this issue FIVE times and every time they say " Thank you for bringing to our attention the dispute regarding the account referenced above. We have reviewed our records and are unable to accept your claims since you made the payments. Therefore you have accepted liability for the account. Our investigation has revealed that payments have been made from your XXXX XXXX Account Bank ''. I have five such letters with me. 
They refuse to send me the document based on which they concluded that the XXXX account is mine. I do not have any XXXX XXXX checking/saving account and I mentioned that in my notarized affidavit. 
They sent me the transactions on this account for last 2 years and its very obvious that the account belongs to someone in AZ who had used it in the past to buy airlines tickets also ( names of the passengers are in the transactions ) They have refused to close the account, even though I have requested this FIVE times. 
They have refused to send me the XXXX documents unless I attest that my name is the one which appears on their records ( wrong name-wrong person- they are using my SSN ). 
This has been going on for 1 year now. So if the person who has this fraud account under my SSN decides to buy something for {$22000.00} and not pay back - Amex will hold me responsible. 
They want me to get a notarized letter from XXXX XXXX that I have not paid for this account. I can not get such a document as the XXXX XXXX Branch Manager says that they can only give a letter for the accounts I have, but not a letter stating that I do not have any accounts. 
The customer service from Amex has not been helpful at all and they refuse to even do a reasonable investigation or send the documents they have used in reaching their conclusions. 
Its almost like Amex is holding me hostage to Identity fraud and waiting for the fraud account holder to commit a fraud and then go after me for collection. 
I am extremely frustrated with Amex and their harassment.
Consumer complaint received 2022-11-28
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX, US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items in my file : XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$10000.00} ; XXXX  XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2022-11-28
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. (CA)

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Experian sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX XXXX XXXX ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update and correct my accounts right away. 

XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-28
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. (CA)

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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 (FL)

Hello CFBP team, my PayPal account can not be linked to the bank and withdraw cash. I have called PayPal customer service many times, but the problem has not been resolved. Please help me, it has brought great trouble to my life. 
error message is included in the Attach documents.
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (NV)

15 U.S.Code 1681 A paragraph 2 Titled exclusions sub Chapter A9 transactions are not included in the consumer report. A late payment even through its a negative payment is a form of transactional history. Therefore it is a form of transaction. So late payments reported to your consumer report violates this law of Fair Credit Reporting Act. 
XXXX XXXX accounts reporting XXXX XXXX Account XXXX XXXX account reporting Experians XXXX accounts reporting which in turns violates 15 U.S Code 1681 A paragraph 2 Titled
Consumer complaint received 2022-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Last email I sent to Shellpoint mortgage tonight. 

Good Evening, I have three mortgages with your company and out of those three mortgages I have attempted to set up automatic payments three times! 

I thought we finally did it this third time. That everything would finally go smooth but once again I have received another letter from Shellpoint stating that they have not received payment for one of the properties. 

This is beyond frustrating. 
I received late remarks on my credit report for XXXX and XXXX for two of the mortgages held this year and for the third property there was a 30 day late remark left for the month of XXXX in 2022. 
This happened after I had requested automatic payments to be set up and I was still on XXXX XXXX orders with the military which I have submitted to your company with requests to remove these derogatory remarks from my credit report! I was under federal protection by the XXXX XXXX XXXX XXXX XXXX XXXX. 

This is my final request before taking legal action against Shellpoint for this gross negligence and for continuing to ignore my requests and follow the law. 

If there are any further questions I urge you to contact me directly at XXXX or respond to this email with an explanation why you have not taken the steps necessary to repair my good name and eliminate the derogatory marks from my credit report. 

Respectfully, XXXX XXXX XXXX XXXX Loan number XXXX for XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA
Consumer complaint received 2022-11-28
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. (MO)

I sent a dispute letter addressed on XX/XX/XXXX, XXXX, as my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) 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 as they are fraudulent. 

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 If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file.
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (NV)

15 U.S.Code 1681 A paragraph 2 Titled exclusions sub Chapter A9 transactions are not included in the consumer report. A late payment even through its a negative payment is a form of transactional history. Therefore it is a form of transaction. So late payments reported to your consumer report violates this law of Fair Credit Reporting Act. 
XXXX XXXX accounts reporting XXXX XXXX Account Equifax XXXX account reporting XXXX  XXXX accounts reporting which in turns violates 15 U.S Code 1681 A paragraph 2 Titled