davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

I have received numerous invoices from PayPal Credit that I am not familiar with. PayPal Credit, XXXX Bank keeps sending me invoices with interest accrued. I called PayPal XXXX Bank on XX/XX/2023 to get some answers. XXXX talked to me, PayPal could not produce any itemized invoices for merchandise I purchased. I was referred to XXXX at the PayPal XXXX Bank fraud department and was told this investigation would take at least 60 days. I mentioned to XXXX in the fraud department that I am currently in the process of buying a new home and this severely affects this process. Nothing she could do. Then the line went dead. 
Fraud Department Ref. # is XXXX, ph. # ( XXXX ) XXXX. I just called this number this morning and was on hold for 30 minutes and hung up.

Also, this morning, I received an email from PayPal describing a {$640.00} transaction charged to me. I have absolutely no idea what this charge is for. And on the PayPal email, a disclaimer on top reads : This may be a scam. 
Can you please try to remedy this as soon as possible so we can proceed with the home purchase and not loose the lot and home we decided on with XXXX XXXX here in XXXX California. 
Thank you XXXX XXXX
Consumer complaint received 2023-08-07
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. (FL)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-08-07
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. (MI)

On XX/XX/2023, I sent a letter to the three credit bureaus concerning several accounts that were fraudulently reported and must be removed from my credit report. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft.

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately.

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

General Council Experian This letter serves as a final warning regarding violations of federal law and Experian arbitration agreement concerning my credit file, especially in light of the recent massive data breach. 

Despite repeated disputes with valid evidence, Experian continues reporting inaccurate, unverified information including : - Erroneous late payments on XXXX XXXX XXXX XXXX - Inaccurate charge-off on XXXX Account XXXX - Reporting verified income as a negative XXXX Account XXXX - Omitting full 72 month history of XXXX paid off XXXX XXXX XXXX XXXX & XXXX - Unauthorized, Unverified collections account XXXX XXXX XXXX - Multiple unauthorized hard inquiries without my consent XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to these violations, the recent Experian data breach resulting in theft of consumer information underscores the companys inability to protect sensitive data. As one of those consumers I demand this be rectified asap. 

These violations break numerous Experian arbitration agreement clauses and constitute negligent security practices under the FCRA.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I for a account with a XXXX XXXX and was denied membership due to my check systems report. Once I received a copy in the mail. I seen over XXXX inquiries that was not my doing. I have XXXX product with XXXX XXXX. A business credit card. I spoke with a rep this morning. My card was issued XX/XX/XXXX. So XXXX inquiry is legit. I received the product, no need to apply again. There are XXXX XXXX inquiries on XX/XX/XXXX, again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX again using last four of my ein #, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, It doesn't even make sense. This is obviously and definitely fraudulent activity. I will list the lenders on my report that I did not apply with nor give my permission to do so. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX. XXXX XXXXXXXX. XXXXe XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX. XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. I did not apply at any of these Institutions. This is fraud. XXXX XXXX XXXX XXXX I applied once on XX/XX/XXXX. I was denied membership. That should be the only inquiry from them. I have XXXX secured card with XXXXXXXX XXXX XXXXXXXX XXXX XXXX inquiry on XX/XX/XXXX is legit. I still have the secured card and haven't applied for a credit product yet. All other XXXXXXXX XXXX inquiries are fraudulent. I spoke with XXXX XXXX and XXXXXXXX XXXX XXXX. They both said there's nothing they can do on their end. All inquiries except for the ones I stated are acts of fraud and by law should be removed immediately if not proven to be legit. And that's definitely not going to happen. This is causing me a great deal of hardship on the personal and business side. Nobody in their right mind would do this to themselves. It has to be obvious! Please remove asap. Thank you
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TN)

Hello Im reaching out regarding Regions overdraft policy, Ive called the bank numerous times about this issue, I even tried to opt out of the program, I was under the impression that I was opted out so that third parties couldnt charge my account without the funds being available. Ive tried turning off my card transactions and still theyre still allowing payments to go through even when theres no money in my account.
Consumer complaint received 2023-08-07
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)

I noticed when we went to buy a house and the pre-approval loan was being run, that this loan was attached to my credit report and fraudulently opened. This was in XXXX and XXXX of 2023. I immediately contacted the company via phone and at this point 8 different times via email for documentation purposes. I have only received two responses back from a XXXX, who apparently is a customer service rep. Her only communication has been to ask for my ID and a report whether it be a police report or FTC report - I sent her my ID and also the FTC Identity theft report and letter I had filed. The first communication took over 2 weeks to get. The next took me sending 3 more emails asking for followup and she did not reply with any updates. I have since heard nothing back and can not get anyone to contact me. However, it is stating that the account is not being paid on. I have requested contact again today to rectify this- so that I do not get hit with late payments on my credit report. The name is not accurate. The signature not accurate, the address wrong, and more.
Consumer complaint received 2023-08-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.
Consumer complaint received 2023-08-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hello Finance Team, my issue is with my current credit XXXX score across all three bureaus.. 
i applied for an Auto Loan with Bank of America on XX/XX/2021, and i was approved " fully approved Not pre-approved '' and at that time my credit score was XXXX " Excellent-Exceptional '' score, however it dropped a whopping XXXX points all of a sudden and then without my knowledge or consent the Used Car dealership who was in the Bank of america network or preferred dealerships did run my credit again where he shouldn't, because i had an approved loan letter and i did my purchase within 30 days from the initial credit check and approval done from Bank of America . 
when the dealership ran my credit it resulted in a hard inquiry on my credit file as well as further decrease in my credit score.!!

i've been very careful and conscious regarding my bills, loans, credit cards and therefore credit score, always paying on time, never missed a payment or been late on any bill, however this act of having my credit checked by hard inquiries twice within 30 days only to purchase a vehicle has negatively impacted me tremendously, going from XXXX points down to XXXX, i am currently in the process of buying my first time home and truly having hard times due to this mishap Auto loan that devastated my credit score and credit worthiness..

i have included all screenshots necessary to show and highlight what have had happened.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Class action law suite will be filed against Experian and XXXX and XXXX if they do not correct false credit reporting Experian was sued for this they know it's a voilation The corts say you can not report a balnce on a cancled debt there is no more balance to report when you cancle a debt Reporting a debt with a balnce owed that has been canceled is a violation of 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ). case law has proven this XXXX is still reporting a canceled debt as a collection and pass due amount A federal court has ruled that such conduct is potentially prohibited. In Baker v. American Financial Services, the Court held that consumers may bring claims under the Fair Credit Reporting Act if creditors continue to report debts on credit reports after filing a Form 1099-C In Kunwar v. Capital One, N.A., 2017 WL 5991864, at *36 ( N.D.Cal., 2017 ), Judge Koh allowed an FCRA claim past the pleading stage based on the argument that reporting a debt that was cancelled by issuance of a 1099-C rendered the reporting inaccurate. 15 U.S.C. 1681s-2 ( b ) Shull v. Synchrony Bank 1:19-cv-00715 BOBBY A. SHULL, Plaintiff, v. SYNCHRONY BANK, and EXPERIAN INFORMATION SOLUTIONS, INC., Defendants . Baker v. American Financial Services, In Kunwar v. Capital One, N.A., 2017 WL 5991864, Shull v. Synchrony Bank 1:19-cv-00715 violating 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ). Plaintiff alleges that XXXX canceled Plaintiff 's debt, and thus, XXXXXXXX XXXX continued reporting of Plaintiff 's outstanding debt to the CRAs is inaccurate.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX and Synchrony XXXX Credit Card are using unfair and deceptive credit practices by not listing specific art works on the credit statements ( Art purchase is all it states ). They Parkwest reverses charges after they bill items to falsely make it appear you have credit remaining when you dont. Synchrony is aware of this policy and will allow XXXX to exceed your credit limit when the works of art are delivered without a notification or a hard stop before the products are delivered. Single purchases can be refunded if it can not be supplied, but XXXX does not itemize purchases to the credit card so no one knows what was billed from an art invoice.
Consumer complaint received 2023-08-07
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. (IL)

I am a victim of identity theft. the information listed below, which appears on my credit report, does not relate to any transaction ( s ) that i have made. it is the result of identity theft. i have contacted credit bureaus EXPERIAN, XXXX, AND XXXX regarding this matter. with all three reporting agencies stated that the accounts are being verified by creditors as accuarate. I have also reached out to the creditors XX/XX/XXXX to whom also replied saying accounts are correct and I am responsible. These accounts were opened by someone other than me for extreme financial gain and they are affecting only me while trying to accomplish life goals.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-07
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. (MA)

Hello Finance Team, my issue is with my current credit FICO score across all three bureaus.. 
i applied for an Auto Loan with XXXX XXXXXXXX XXXX on XX/XX/2021, and i was approved " fully approved Not pre-approved '' and at that time my credit score was XXXX " Excellent-Exceptional '' score, however it dropped a whopping XXXX points all of a sudden and then without my knowledge or consent the Used Car dealership who was in the XXXX XXXX  XXXX network or preferred dealerships did run my credit again where he shouldn't, because i had an approved loan letter and i did my purchase within 30 days from the initial credit check and approval done from XXXX XXXX XXXX . 
when the dealership ran my credit it resulted in a hard inquiry on my credit file as well as further decrease in my credit score.!! 
i've been very careful and conscious regarding my bills, loans, credit cards and therefore credit score, always paying on time, never missed a payment or been late on any bill, however this act of having my credit checked by hard inquiries twice within 30 days only to purchase a vehicle has negatively impacted me tremendously, going from XXXX points down to XXXX, i am currently in the process of buying my first time home and truly having hard times due to this mishap Auto loan that devastated my credit score and credit worthiness.. 
i have included all screenshots necessary to show and highlight what have had happened.
Consumer complaint received 2023-08-07
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. (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 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 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (PA)

I have repeatedly, over many years, tried to obtain my free XXXX XXXX XXXX  from Experian. Experian has constantly reported a technical problem with their business that prevents me from obtaining a free copy of my credit report online. The report is required to be available upon request by law. Each time I write to the address provided I am returned a form where I must provide substantial personal information Experian intends to monetize for profit while failing to investigate credit card disputes. This is a pattern of criminal behavior by this organization intentionally designed to defy Congress and the CFPB 's requirements that United States citizens be able to obtain an annual copy of their report without undue burden. I have also disputed a {$50.00} medical collection debt multiple times only to find Experian refuses to invest labor resources necessary to confirm the debt is mine or provide evidence of the debt even exists. Of course each time I request information about this debt Experian simply responds with an offer to purchase additional products and services to help me investigate and dispute this debt. This is a violation of the law and should be investigated/prosecuted. I expect the CFPB to do their job and penalize Experian for this behavior. 

We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MO)

I have been dealing with XXXX XXXX  and XXXX XXXX since XXXX on this matter to no avail. They charged me for my phone on XXXX on my XXXX XXXX  Bill and my XXXX XXXX card in the amount of {$420.00}. I paid this in full on my XXXX card months ago. 
They turned me into Convergent ( account # XXXX ) ON XX/XX/2022. 
I tried resolving this through the XXXX  and this has been a nightmare. 
They wrecked my credit score and I want them to fix it. 
I need help please. 
I am going back to teaching school next week and have no extra time to deal with these people. SHAME on XXXX. 
I appreciate any help that you can offer me. 
Warmly, XXXX XXXX XXXX