davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
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: Experian Information Solutions Inc. (TX)

I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address and SSN card.
Consumer complaint received 2023-03-21
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: Manhattan Beach Venture, LLC (NJ)

There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 
The identified transactions are not information related to any transaction by me as the consumer : DEPTEDXXXX XXXXXX/XX/2017 DEPTEDXXXX XXXX
Consumer complaint received 2023-03-21
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. (PA)

Three credit reporting agencies- XXXX, XXXX and Equifax are incorrectly showing my XXXX XXXX student loans as open. I applied for public service loan forgiveness and on XX/XX/XXXX, all of my loans were transferred from XXXX to XXXX which should have resulted in a closed account with {$0.00} balance for my XXXX account XXXX That did not happen. For about 5 months, my loans were " double reported '' - incorrectly showing the same loan balance twice. For example, if the total student loan balance were {$100000.00}. My credit report incorrectly showed a total of $ XXXX- {$100000.00} for XXXX and {$100000.00} for XXXX. 

In XX/XX/XXXX, my student loans were forgiven under the public service loan forgiveness program. My credit report was partially updated and no longer shows a balance for XXXX. However the incorrect XXXX information which should have been updated to {$0.00} in XX/XX/XXXX is still showing. I filed disputes with the credit reporting agencies and they are not removing the incorrect information. Prior to the dispute, the last update from XXXX is XX/XX/XXXX. I do not know what steps I can take.
Consumer complaint received 2022-12-26
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. (WI)

XXXX XXXX should be deleted off of my credit report with ALL 3 credit bureaus. I have a credit override statement from them. That they sent the reporting agencies. However, it still reminds on my credit report.
Consumer complaint received 2023-08-12
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am submitting this CFPB Complaint to follow up CFPB Complaint as a follow up to the recent complaint I submitted demanding the immediate deletion of the fraudulent accounts and information the Credit Bureaus have been reporting. As you are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history. Please have the following items removed from my Credit file as soon as possible : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX I have taken all necessary steps to dispute these items with the relevant parties, including contacting the creditors and filing police reports. However, despite my efforts, these items continue to be reported on my credit file. I request that you investigate this matter further and remove these fraudulent items from my credit file as soon as possible.
Consumer complaint received 2023-10-09
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-08-12
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. (CA)

This is my six 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 an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-12
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. (GA)

In accordance with Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for and purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Inaccurate information placed on my credit report without my concent. I asked for proof but none was giving.
Consumer complaint received 2024-10-08
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. (TX)

am a victim of identity theft and have enclosed a copy of my FTC identity theft report and a copy of my ID as proof of my identity. I am writing to request that you immediately block the following fraudulent information from my credit file, in accordance with Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ). 

Upon obtaining a copy of my credit report, I identified accounts that do not correspond to any transactions I have made. This is not a regular dispute but a result of identity theft, as documented in my complaint with the Federal Trade Commission ( FTC ). 

Under the Fair and Accurate Credit Transactions Act ( FACTA ) and FCRA, I am requesting that the following fraudulent accounts be deleted and permanently blocked from my credit report : XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX  Account Number : XXXX  Please remove it from my credit report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
In accordance with the FCRA, I respectfully request that these accounts be blocked from my credit file within XXXX days of receiving this correspondence. 

Thank you for your immediate attention to this matter. 

Kind regards, XXXX XXXX
Consumer complaint received 2023-08-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (FL)

As of XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX for a XXXX XXXX  my doctor XXXX XXXX, wanted me to do. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX wanted me to do. 
When the result come back almost everything was abnormal on the XXXX XXXX. I contacted a doctor who told mw to go to XXXX. At XXXX  they made new XXXX XXXX XXXX XXXX and everything come out normal. This was 2 days after I receive my test. It cost me money and time. I notice the XXXX  did not put a name tag on the tubes. She was the only one working in the office. 
I do not want to pay for a XXXX XXXX who was not mine. I have only received statement from XXXX XXXX before I received the collection note in the mail. 
I can send the 2 different XXXX XXXX  if you need. 
The first attachment is the wrong/mixed up XXXX XXXX 
The others is from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Best regards, XXXX XXXX
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-18
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: Experian Information Solutions Inc. (MS)

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXXXXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Consumer complaint received 2023-08-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (VA)

I opened an account with PNC bank on XX/XX/2023 based on a flier I received in the mail. The account was opened in the branch at XXXX XXXX XXXX XXXX in XXXX, Virginia. Following were the terms of the flier ( attached ) : XXXX. Earn {$400.00} in checking account if a qualifying direct deposit is made. 
XXXX. Earn an additional {$200.00} when a new Growth savings account is opened and an average monthly balance of {$10000.00} is kept for three statement cycles. 

I received the first promotion. However, I have not received the second promotion. I contacted the bank numerous times and they told me that they have made a mistake while opening the account and will correct it. However, it has been more than two weeks and they are just passing me from XXXX department to another and have stopped replying to my emails or returning my calls. 

I spoke to XXXX XXXX on XX/XX/XXXX and she asked me to send the promotion I received to her by email. I sent the promotion to her the same day. She replied on XX/XX/XXXX and said that it was their mistake and they would escalate it as it can not be fixed in the branch ( Email attached ) I got an email from XXXX XXXX from PNC bank on XX/XX/XXXX after the escalation asking for the copy of same promotion that I sent to XXXX. I sent it on XX/XX/XXXX. ( attached ) I did not hear from her after that and sent another email on XX/XX/XXXX to XXXX with a copy to XXXX. They never replied to the email ( attached ). 

I also called up the bank on XX/XX/XXXX and spoke to XXXX, the bank manager at the XXXX XXXX XXXX XXXX in XXXX and he said he will get back to me the same day. However till date I have not heard from him. 

PNC bank is involved in false advertising and deceptive practices to make customers open their accounts.
Consumer complaint received 2023-07-13
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. (CO)

In Accordance with the Fair Credit Reporting act. The list of of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX DEPT OF ED/XXXX # XXXX 15 U.S.C. 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 an account without my written instructions.

15 U.S.C. 1681 C ( 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 2018-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

PayPal Case ID # XXXX On XX/XX/XXXX I used PayPal to pay for a purchase. Amount was XXXXEuros. 

Purchase was covered under PayPal buyer 's protection for physical goods. 

The merchandise received was defective. The seller refused to accept a return so I initiated a PayPal claim. 

PayPal confirmed that my purchase was covered under their buyer 's protection and asked that I return the merchandise to the seller, which I did. Paying over {$600.00} in shipping fees overseas. 

The seller refused to pick up the return. PayPal refused to issue a refund. 

I called PayPal again waiting 4 hours on hold for an overseas supervisor who was nice enough to escalate my claim on XX/XX/XXXX. 

We are now XX/XX/XXXX and I 'm still missing my refund + all the shipping fees that I had to pay for out of pocket. 

I would like for PayPal to issue a full refund as agreed otherwise I will have no option but to file a charge-back with XXXX. 

Thank you
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In Accordance with the Fair Credit Reporting act. The list of of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX DEPT OF ED/XXXX # XXXX 15 U.S.C. 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 an account without my written instructions.

15 U.S.C. 1681 C ( 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 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NM)

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.
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (WA)

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.
Consumer complaint received 2023-07-13
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (MO)

I paid off my account in late XXXX XXXX. There was trailing interest that I called and paid off with a representative. There was trailing interest to the trailing interest and I was assessed a late fee, then another late fee. I did not open my statement after the representative assured me that my account was paid in full. I asked to have the late fees waived and during this time my account was in dispute another late fee was assessed. This resulted in an amount due of over {$100.00} which was all accumulated due to trailing interest. I now have been advised that the {$100.00} payment will not payoff my account since there will be additional trailing interest. It seems like you should be able to payoff a credit card at one point in time and not have the ongoing battle of paying the trailing interest. By my calculation they will continue to charge interest on the interest forever! I don't feel that the trailing interest is fair and above board. I also do not feel that being assessed a late fee while your account is in review is also fair. When I addressed this with a representative they indicated that my fees were non-reversable and I would continue to be responsible for trailing interest. I have permanently closed my account.