davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I filed a complaint against transunion for accounts that were reporting inaccurately. I filed this complaint through cfpb and also sent dispute via fax and mail. The complaint was filed XXXX  complaint # XXXX and below is the response from XXXX. 

" In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. -VERIFIED AS REPORTED -VERIFIED AS REPORTED NCB MANAGEMENT SERVICES-VERIFIED AS REPORTED CREDIT ACCEPTANCE CORP-UPDATED USBK COURT NORTHERN OHIO-DELETED FIRST NATIONAL CREDIT CA-VERIFIED AS REPORTED CONTINENTAL FIN CO-VERIFIED AS REPORTED FIRST PREMIER BANK-UPDATED CROSS RIVER BANK/SEED-UPDATED SELF FINANCIAL INC/ LEAD BANK-UPDATED '' There are many issues I have with this as this information isn't accurate and is hurting my credit, reputation and ability to purchase a home for my family. They reported the following accounts as reporting-VERIFIED AS REPORTED. I don't believe that anything was investigated and I would like to know the method of verification. I am not asking for another investigation I am asking that this information be removed IMMEDIATELY from my report due to this information is still inaccurate and reporting incorrectly and illegally. 

Account Name : XXXX XXXX XXXX Account XXXX -This account is reporting as an XXXX '' account. XXXX is reporting this account as opened. Obviously, an account that has been sent to collections should not be listed as an " XXXX '' account. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date XXXX '' this item. 

They Stated that XXXX XXXX XXXX Ohio was deleted but it is still showing on my credit report. 

The time for updating is over and I want these items deleted not updated. 

I have attached my disputes from the previous complaint and my Id documents. Once again I am not asking for an investigation, I am demanding that these items be deleted immediately due to no method of verification was provided and also illegal and inaccurate reporting.
Consumer complaint received 2023-05-01
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. (FL)

My personal info was stolen and used without my consent. This issue has caused me to become depressed and homeless. I refuse to pay any debts that I did not take. This is my formal complaint to get these items removed off of my credit report. 

XXXX XXXX  {$510.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$3100.00} XX/XX/XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$8500.00} XX/XX/XXXX XXXX
Consumer complaint received 2023-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

My identity was stolen about a year and a half ago. This case was closed after doing all of the reports and case filings. Today, I received an additional letter in the mail from a debt collector. This was for an energy company that I have never heard of. This is one of the same energy companies that had an account opened by fraudulent information on myself. I did not open the account and this account is opened for about {$2000.00}. I called the energy company and The debt collection agency. Both opened referrals and cases against this fraudulent account. The energy company told me to file a report here so that is what I am doing.
Consumer complaint received 2023-05-01
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Kentucky Higher Education Assistance Authority (NE)

I received a XXXX XXXXXXXX XXXX XXXX in XXXX. This scholarship either paid for your entire school, or it was converted into a loan if the school or service contract was not completed. I took a year off of school to deploy in XXXX with all intentions of returning to school and picking my scholarship back up. When I returned, I was informed that I could not do that, which was the opposite of what I had been told prior to leaving. I received a correspondence from the Kentucky Higher Education Student Loan Corporation saying that my scholarship, now loan, was in default. I began paying them back, lost a job, and had to stop paying. The KHESLC sued me. We went to court for this matter, since I had the time in service that was stipulated in the contract, and I later received a letter that the matter was dropped. Since then, I have not received any communication from the KHESLC. I have, however, received credit alerts, about once every two years, that I am behind on my student loan payments to the KHESLC. I called the corporation to see what could be worked out, and they had no information on my loan/scholarship/default anywhere in their system. I have tried multiple different ways to get this removed or somehow taken care of, and none of them seem to do any good.
Consumer complaint received 2023-05-09
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. (TN)

I have filed a few disputes on Experian, XXXX, and XXXX. I have a FTC ID theft report- and whenever I file the disputes they say the same thing- as " verified by data furnisher '' - but in the description it says " consumer provided vague information. How is a Federal Report vague information? All of the other items on my report were taken care of- and yes there were several ; except for the fact that every hard inquiry except 1 on my report, was not done by me. Also, even the soft inquiries- hundreds of them- still show and affect my score! Before all of this ID Theft, my credit score was at XXXX ; now it is mid XXXX. This has ruined my life and my business! I am a sole proprietor- so the negative impact of all of this has brought my business on the verge of closing! All due to the fact I cant get any financing/credit because of this!
Consumer complaint received 2023-05-09
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. (NJ)

When I looked into my credit report, I found that part of the data was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the itemsbe authenticated by the 3 credit bureaus. ( A ). Without providing verification within the legal time frame, it is unacceptable to treat the reporting itemsas unverified information. 
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
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I'm on short-term XXXX and it's through the EDD they're connected with Bank of America and of last week {$930.00} was withdrawn from my account without my permission basically I was hacked Bank of America now is not honoring there is zero liability I can not wait 90 days for them to investigate it has put me in a very very hardship situation maybe there is something you can help me with I'm in desperate need
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Over the past few months I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. It has become clear that you are being willfully negligent in rectifying my affairs. 

These accounts could not be verified nor validated with XXXX. Therefore XXXX deleted it from my credit report. If this account is from the same creditor how are you able to verify and validate information that the other bureaus could not? By Federal law these accounts should be reporting consistent across all three bureaus, which it is NOT. Proof you have NOT done a proper investigation, FAILED to protect my consumer rights. You refused to correct this information which is a direct violation of FCRA 15 U.S.C 1681. According to Fair Credit Reporting Act ( FCRA ) everything on my credit profile must be accurate, verifiable, and if not that information must be deleted.
Consumer complaint received 2023-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I made a transfer of XXXX dollars through XXXX to a friend in Texas, the transfer first appeared as pending, then it appears as frozen, I called my bank XXXX XXXX XXXX XXXX  ) which told me that the transfer was blocked because It had the word XXXX in the description and that I had to contact the XXXX department for them to release the money for me, on XX/XX/XXXX I started an application with the treasury department and on XX/XX/XXXX they answered me : that they have no information of that transfer to call the bank that blocked the funds Chase ) to verify that the funds were blocked, the person to whom you tried to send the money called your bank and they replied that they are the ones who have the money blocked and that Through my bank XXXX XXXX XXXX XXXX ) I must request the money back, my bank XXXX XXXX XXXX XXXX  ) made the claim but the other bank ( Chase ) says that the money is on hold and that they can not return it, my bank XXXX XXXX XXXX XXXXXXXX XXXX tells me that it can't do anything and the other bank ( Chase ) doesn't release the funds, nor does it return it, nor does it report it to the Treasury Department. It's been almost 1 year since I tried to send that money and it still appears as frozen and I don't know what to do.
Consumer complaint received 2023-05-01
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. (IN)

Account info Account name XXXX XXXX XXXX Account number XXXX This account has violated my rights. 
15 USC 1681 Section 602, states I have the right to privacy.

15 USC 1681 Section 604 a, it also states a consumer reporting agency can not furnish an account without any written instructions.

15 USC 1666b, states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reached out to creditor to have an inquiry i was unaware of and did not authorize removed. They said the i inquiry will be removed in 60 days. It has been 90 days and its still is on my credit profile. I have tried contacting transunion myself they say there is nothing they can do. They have reached out to XXXX  XXXX with no response. I explain to them they are willfully reporting inaccurate information yet they will not remove it. This is a violation of 15 usc 1681s-2b
Consumer complaint received 2023-05-09
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. (MA)

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 2023-05-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kinum, Inc., Indianapolis, IN Branch (TX)

Received a phone call from XXXX XXXX at Kinum Incorporated today. After advising that I never received any letter from them & the piece of equipment ( saxophone ) they want me to pay {$1000.00} for was a rental that was returned last year. 

He stated I didnt have a choice and that I had to pay it anyways, he began stating birthdates/ socials/ children and even employer information. The call was hostile from the start. In addition when I tried to ask for the contract information to be sent ( validation of debt ) he spoke over me and then hung up. 

I am requesting this company provide validation of debt through the CFPB and seize all contact via phone.
Consumer complaint received 2023-05-09
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
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 (NV)

Dear PayPal Support Team, I am writing to submit a complaint regarding the permanent limitation that was recently placed on my PayPal account, linked to the email address XXXX. I believe that this limitation has been placed by mistake, and I would like to request that PayPal re-investigate my case and restore my account, if possible. 

Firstly, I would like to clarify that I have not violated any PayPal policies. As a responsible PayPal user, I have always followed the guidelines provided by PayPal and have not engaged in any activities that are deemed inappropriate or illegal. Therefore, I believe that the permanent limitation on my account is unwarranted. 

Secondly, I strongly believe that this limitation is a result of an error on PayPal 's part. I have reviewed my account history and have found no instances that could have warranted such an action. Therefore, I request PayPal to re-examine my account and investigate any possible errors or discrepancies that may have led to this decision. 

Finally, I request that PayPal restore my account to its original status as soon as possible. I have always relied on PayPal for my financial transactions and the sudden limitation has caused significant inconvenience to me. I would be grateful if PayPal could expedite the re-investigation process and restore my account as soon as possible. 

Thank you for taking the time to consider my request. I look forward to hearing back from PayPal soon. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-05-01
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 (NV)

Dear PayPal Customer Support, I am writing to you to express my dissatisfaction with the permanent limitation that was placed on my PayPal account. I believe that this action was taken by mistake, and I would like to request that you re-investigate my case and consider restoring my account. 

I want to emphasize that I have not violated any PayPal policy or engaged in any fraudulent activities. Therefore, I am deeply perplexed by the permanent limitation that was imposed on my account. I have been a loyal PayPal user for many years, and I have always been committed to following your policies and guidelines. 

I understand that PayPal has strict rules and regulations to ensure the safety and security of its users, and I appreciate the efforts you make to prevent fraud and protect your customers. However, I believe that in my case, there has been a misunderstanding or an error, and I respectfully request that you reconsider your decision. 

In light of the above, I am requesting that you re-examine my account and provide me with an explanation of the basis for this limitation. I am confident that, upon further review, you will find that my account has been unfairly restricted, and I would like to ask you to restore my account if possible. 

I would appreciate it if you could respond to this email and let me know if there is any additional information that I can provide to support my case. The email address on my PayPal account is XXXX. 

Thank you for your time and attention to this matter. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2023-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (KY)

In the past 2 and a half months I have received numerous phone calls and two letters from Wakefield and Associates debt collection agency stating that I need to send them {$3800.00} for a debt owed to a company named, XXXX XXXX XXXX, XXXX. They request funds be sent via check, money order, credit card, or bank draft. 
I do not have any debt, and have never heard of either of these companies. The last loan I took out was in XXXX for a student loan. That was paid in full 45 years ago. 

I obtained credit reports from three reporting agencies and there is no debt listed on any of them. 
I am attaching two letters received from Wakefield Associates. The first letter is dated XX/XX/XXXX and the second letter is dated XX/XX/XXXX. 
On XXXX, XXXX, I sent a letter to Wakefield and Associates refuting any debt and informing them that I believe this is an attempt at identity theft or a scam. As of today, they have not responded. 
Starting last week, I began receiving calls from a number identified as XXXX XXXX. I have not answered any of the calls and have blocked whatever number they call from. The number keeps changing but the Caller ID says XXXX XXXX. I looked them up online and they are another debt collection agency. I am XXXX years old and believe this is all an effort to get my personal identification.
Consumer complaint received 2023-05-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (PA)

It was worth checking for my bill and my bill is just not right. I don't agree with my doctor office visit bill **the total cost of {$770.00} and my insurance paid {$530.00}. 

I contacted the billing department to explain the charges but there is no explaination and they just transferred to the debit collection agency, I also contacterd the debit collection agency ; however, I couldn't find any helpful information from them at all. They were very rude. 

Therefore, I need to file a complaint.
Consumer complaint received 2023-05-09
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 second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2023-05-01
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. (NC)

I pulled my credit report and realized that I had damages on my credit report that is hindering me from purchasing a home. According to 15 U.S.C 1681 There should not be any damages on my report.