davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE ()

I was invited by a girl I met on the XXXX app to join a dating event in XXXX. I added her on XXXX app and encouraged me to join the event. 

I have to pay for a membership fee of XXXX in order to do so. Eventually I did via Western Union money transfer to the XXXX on XX/XX/2018. But after making the membership payment, the so-called admin contacted me and offered me to select a few choices of packages in order to finalize and complete my membership. 

Again, I agreed and hesitantly paid a total of XXXX to the same recipient via Western Union money transfer. I was really having some tough time believing them, to the point that I made my first payment in half - XXXX on XX/XX/2018. Another payment of XXXX on XX/XX/2018. And, made the final payment of XXXX on XX/XX/2018. I have attached all these receipts on this site as well. 

However, after that, they refused to give me any invitation to join an event by making a lot of excuses, and telling me that the girl who is supposed to be my partner is no longer available. I already escalated this issue to the Western Union, and currently investigating, and see if I am eligible for a refund. I am more than willing to help in order to investigate this further so these alleged scammers will no longer harm other people. 

Please take note of the following email addresses they are currently using : XXXX XXXX XXXX ( This person is also on XXXX, and XXXX using the name " XXXX XXXX ''. And " XXXX XXXX '' on XXXX - XXXX XXXX   XXXX ) In addition to this, this alleged fraud unit, is also using XXXX XXXX as the recipient of the Western Union money transfer.
Consumer complaint received 2018-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (KS)

XX/XX/XXXX, I received a letter dated XX/XX/XXXX, in the mail from a XXXX XXXX XXXX. Out of XXXX , Kansas . 
In the letter they stated they had purchased my account from Kay Jewelers with the last transaction date of XX/XX/XXXX and owing {$1100.00}. They wanted me to pay them {$850.00} to settle the debt or it will be placed for legal action. I immediately called the number, but only got an answering machine. I did leave my name, number and a message stating that this was NOT my account. 
1. I have NEVER had a XXXX XXXX account, nor any other jewelry account. 
2. They mailed this letter to a former address that I haven't lived at since probably XXXX. ( However, I live in a small town, so the mail was forwarded to my present address ) 3. I have divorced since I lived at the former address, and did not use the last name I use now, that this letter was addressed me to at. 
4. I keep an eye on on my credit reports and this charge from XXXX XXXX has never shown up on any of my credit reports, If it would have, I certainly would have contested it, as it's not mine. 
5. I called XXXX XXXX Customer Service and they told me they did not find me in their system and to call XXXX who is over the charged off accounts to see if they have my name there. However, they were closed when I called. 
My conclusion is this seems like either a scam on XXXX. 's part, or somebody opened an account fraudulently under my name, or they have my identity mixed up with another person with the same name. 
Whatever it is, I am upset over this, and I will press charges if needed against whomever is behind this.
Consumer complaint received 2023-08-15
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. (TX)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disagree with the accounts listed below which still appears on my credit report, even after your investigation. I would like these accounts immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business of each Individual with whom you verified the above, so that I may follow up. please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.
Consumer complaint received 2019-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear TransUnion Dispute Resolution Team, I am writing to formally dispute the accounts listed on my credit report as I have been a victim of a data breach. I request that all accounts associated with my personal information be blocked and deleted in accordance with the provisions set forth in 15 USC 1681c-2 ( a ).

The unauthorized access to my personal data has compromised my financial security, and I believe that blocking and removing these accounts is a necessary step to mitigate the risks associated with this breach. 

Please find the details of my accounts below : Fraudulent Account Name : XXXX Account Number : XXXX Fraudulent Account Name : XXXX  Account Number : XXXX Fraudulent Account Name : XXXX XXXX XXXX Account XXXX : XXXX Fraudulent Account Name : XXXX XXXX  XXXX Account XXXX XXXX XXXX Fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX Fraudulent Account Name : XXXX Account Number : XXXX Fraudulent Account Name : XXXX XXXX XXXX Account Number : I have attached any necessary documentation to support my claim, including attached documents, such as a police report, identity theft etc. 

I appreciate your prompt attention to this matter and look forward to your confirmation that these accounts have been blocked and deleted from my credit report. Please respond to my request at the earliest convenience. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/year> I sent XXXX, XXXX, and Transunion a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have a Bankruptcy Reporting on my Credit Report that is reporting inaccuracies, The chapter XXXX that was filed is incorrect and the Dates is incorrect, I will be sending Documentation of correct information from my attorney and I will like this inaccurate information deleted immediately because I have tryed to fix this and the issue has not been fixed and all my rights are being violated due to the FCRA, The Bankruptcy is Ref # XXXX
Consumer complaint received 2018-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Specialists, Inc. (KS)

XX/XX/XXXX, I received a letter dated XX/XX/XXXX, in the mail from a XXXX XXXX XXXX Out of XXXX , Kansas . 
In the letter they stated they had purchased my account from XXXX XXXX with the last transaction date of XX/XX/XXXX and owing {$1100.00}. They wanted me to pay them {$850.00} to settle the debt or it will be placed for legal action. I immediately called the number, but only got an answering machine. I did leave my name, number and a message stating that this was NOT my account. 
1. I have NEVER had a XXXX XXXX account, nor any other jewelry account. 
2. They mailed this letter to a former address that I haven't lived at since probably XXXX. ( However, I live in a small town, so the mail was forwarded to my present address ) 3. I have divorced since I lived at the former address, and did not use the last name I use now, that this letter was addressed me to at. 
4. I keep an eye on on my credit reports and this charge from XXXX XXXX has never shown up on any of my credit reports, If it would have, I certainly would have contested it, as it's not mine. 
5. I called XXXX XXXX Customer Service and they told me they did not find me in their system and to call XXXX who is over the charged off accounts to see if they have my name there. However, they were closed when I called. 
My conclusion is this seems like either a scam on XXXX XXXX part, or somebody opened an account fraudulently under my name, or they have my identity mixed up with another person with the same name. 
Whatever it is, I am upset over this, and I will press charges if needed against whomever is behind this.
Consumer complaint received 2018-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

On or about XX/XX/2018 XXXX  received a dispute letter from me asking them to provide accuracy of a public record ( bankruptcy ) and if they could`nt verify to please remove immediately see attached letter.After the completed investigation from XXXX it was told in a letter that a third party vendor Lexis Nexis had verified the bankruptcy see letter attached marked ( A ) i find this impossible because i put a security freeze on Lexis Nexis this is clearly a privacy violation for both agencies. I need to how is this verification  legal since the courthouse on record doesn`t release said information.
Consumer complaint received 2018-11-10
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. (ID)

I have written several letters of dispute to Experian requesting to remove invalid and inaccurate information from the Credit Report they are selling to their clients about my credit worthiness. I have requested that the company supply me with the method used to verify this inaccurate information in a letter on XX/XX/2018. I did not receive a response to the method used or my questions on how their information was verified but rather a form letter saying it was accurate. The questioned and inaccurate reporting of accounts listed on the report remains as they were. The accounts are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2024-11-15
Product: Credit reporting 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. (OH)

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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Consumer complaint received 2023-07-06
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 XXXX XXXX
Consumer complaint received 2018-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (TX)

There is imformation on my report that stops me from opening an account anywhere that is false info i had fraud on my accounts and closed them no longer have them please take off whatever it is stopping from opening an account
Consumer complaint received 2018-11-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (VA)

I am an XXXX XXXX and get paid via PayPal the vast majority of the time. Today, XX/XX/2018, I noticed that an invoice was paid, so I decided to move the money ( {$73.00} ) from my PayPal account to my XXXX XXXX XXXX checking account. During this process, I noticed that the usual fee of {$0.00} was now 1 % of the amount being transferred, not to exceed {$10.00}. I called PayPal and spoke to XXXX. She said I was notified in XXXX about the increased fee. I asked her where I was notified, and she stated that there was an internal notification system and to check my message center. There was no notification sent to me, so XXXX said she would report the error as a complaint. But otherwise, there wasn't much she could do.
Consumer complaint received 2018-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credits, Incorporated (OR)

Credits , Incorporated XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, Oregon XXXX. Phone XXXX or XXXX has been repeatedly attempting to collect a debt, they initially purchased from XXXX XXXX. I had {$3.00} in my XXXX XXXX Checking Account. XXXX XXXX accepted a debit charge against my XXXX XXXX  Checking Account in the amount of {$250.00} & have since added {$7.00} in interest charges for a total of {$250.00} ( they took the {$3.00} in addition & the balance of the charge to XXXX XXXX was {$250.00} ) they claim I owe them. I do not have overdraft protection & specifically opted out of that offer. I never approved the purchase. Why would XXXX XXXX accept a charge of {$250.00}, when my account only had a balance of {$3.00}?
Consumer complaint received 2019-08-29
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. (NC)

All of XX/XX/2019 XXXX/XXXX keeps reaging a debt even though they sent me a 1099-C and debt cancellation letter agreeing there was a {$0.00} balance. Now they are adding a balance past due monthly, even past the statute of limitations here in North Carolina, constantly reporting a past due balance of {$2000.00} to my Equifax report, XXXX report, and XXXX report. They only temporarily fixed it after I first complained but then continued these practices on my credit reports. This is my second time trying to get help with this company reporting a balance even though they stated to CFPB and myself that they willl report a XXXX balance and fix that false past due reports years later. I want all the past due removed from my equifax and XXXX reports as soon as this is received and I want the {$0.00} balance to show on these reports. I shouldn't be charged taxes with a 1099-C then suddenly it is past due even being a very old debt that they promised to remedy assuring a reporting of a {$0.00} balance.
Consumer complaint received 2018-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (MN)

I have checking accounts with USBank and one account was flagged for a fraud charge. I was told to open another account since the fraud account was frozen. I opened a new account and the fraud department transferred all funds from fraud account to new account. I said that there are some outstanding checks that need to be paid when the are presented and they said they would pay out of the new account when presented. They did not pay when presented and I found out that the fraud account was not fraud and to clear my fraud acct and close out new account and transfer all funds back to original non fraud account. They did not close my account as requested and said I have a negative balance of {$11.00} and I said I have a returned check fee of {$39.00} that you should credit back since you returned the payment when they stated they would pay from new account. Now they charged me another {$30.00} for a force close since I didnt pay the {$11.00} which they said they would credit me {$39.00} and close out the {$11.00} which they did not credit as they stated they would. All docs were submitted to XXXX XXXX which is the Fraud department manager and he said he was crediting me and didnt. Now they reported me to credit and banking departments as a forced close on my account. Everyone is passing the buck off to another and can't get this corrected. Need help
Consumer complaint received 2018-11-10
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)

Yesterday XX/XX/XXXX, Experian reported changed information on my credit file regarding XXXX XXXXXXXX XXXX XXXX, partial account number XXXX .... ( see Exhibit B ) The change in information is perceived as a direct result of CFPB complaint XXXX against XXXX XXXX XXXX XXXX ( Exhibit E ) andXXXX against Experian ( Exhibit D ) .The problem and unfair damage to me is that the information was only partially corrected, the account now shows as paid.Yet the payment history shows unpaid from XX/XX/XXXX through XX/XX/XXXX ( see Exhibit B and C ) .The debt now showing paid was completely erroneous to begin with.The debt was a {$190.00} fee increased to {$250.00} tacked on to a paid auto loan after receipt of the clear title, a 48 month auto loan incepted in XX/XX/XXXX and title received in mid-XX/XX/XXXX.The credit reporting today is still inaccurate yet Experian refused online investigation today ( see Exhibit A ) .The account inaccurate, damaging and incomplete should now, based upon the preponderance of evidence, and after multiple 30 day investigations should be removed from my Experian report based upon protections afforded under the FCRA. 
Additionally the creditor who has been assessed amazing fines in the 100s of millions of dollars regarding malfeasance in auto lending should continue under scrutiny of the CFPB as their behavior noted continues.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I was going over my credit file and I have several issues with inaccurate showing on my credit report. My name should appear as XXXX XXXX XXXX XXXX ONLY ) my DOB isXX/XX/XXXX my SS XXXX please remove delete any and ALL variation of my name, social and DOB. 
Name ID # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, ID # XXXX XXXX XXXX, ID # XXXX XXXX XXXX XXXX, ID # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX none of these are accurate please delete.