davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
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. (IL)

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 contacted XXXX, Experian and XXXX to investigate my accounts. It has been over 30 days and this is a huge violation. They are already getting investigated by congress for situations like this According to USC n1681, investigations have to be completed by the credit bureaus in 30 days! 
XXXX : XXXX, XXXX XXXX XXXX XXXX Dept of ed XXXX and Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX  Account # XXXX They didnt even record the current status of the dispute which is another violation! I have listed my account numbers above. 

Just to remind you all of some laws 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.

All my accounts across the credit bureaus should be exactly the same. The dates, open, closed, none of these should be different. They have failed like they always do to verify this info.

Please see attachments below All 3 of them lied about the validations
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MS)

This is a complaint against XXXX  and PayPal Credit located at XXXX  and PayPal Credit XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX PayPal Headquarters XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX PayPal Credit XXXX XXXX XXXX XXXX, FL XXXX Fax # XXXX Phone # XXXX Dear XXXX  and PayPal Credit XXXX This matter of concern in regarding this issue or matter in nature of this dispute has been exhausted with I will not make any more payments in regard. 

Since you know so much about this merchant, please send the full and complete physical address of this merchant which should be a United States-based address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The receiver of this payment is Non-US - Verified XXXX XXXX XXXX I will only pay off the balance for the items that I have received and nothing else. 

I dont need to say anything else except not to send me any further communication or billing in regards. 
Thanks XXXX XXXX XXXX : Consumer Financial Protection Bureau
Consumer complaint received 2022-06-06
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. (TX)

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. 
XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX XXXX XXXX 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 2022-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

Summary : - Crimes Committed by Scammers : Extortion, Impersonating cop, XXXX XXXX. 
- On XX/XX/22 at XXXX XXXX I received phone calls from people who were impersonating XXXX and XXXX. They threatened to arrest me for money laundering unless I paid them money. I was extorted for a total of {$17000.00} They spoofed their phone numbers to be part of the NYPD and ice.gov ( XXXX, XXXX ) and accused me of money laundering with an account associated with XXXX XXXX  in Minnesota. I initially hung up on the person claiming to be from XXXX but hXXXX instantly called me back and aggressively asked me why saying it was an urgent matter. Immediately right after, someone from the XXXX called me about the same issue, and that's when I started to doubt and worry about my situation. 

They said they would issue an arrest warrant if I didnt comply with their investigation and send them money ( a bond amount ). They constantly switched between calls. 
The person claiming to be from XXXX stated his name was XXXX XXXX. He made me read forms on ice.gov and said I could not tell anyone about the investigation. 

They sent various emails from XXXX to prove the legitimacy of their claims. They made me screen share my bank transactions on my phone, send them a picture of my driver 's license ( front only ), asked for people to refer to, and send them money through various mobile apps ( XXXX, XXXX Zelle, XXXX XXXX XXXXXXXX Zelle ) and through a wire transfer from XXXX XXXX XXXX. 

I sent them : {$9500.00} via wire transfer from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} from XXXX {$2000.00} from XXXX Zelle {$2500.00} from XXXX XXXX  XXXX Zelle {$950.00} froXXXX XXXX XXXX XXXX Zelle XXXX, in total, I sent : {$17000.00} on XX/XX/22 After my payments, he sent an email with a photo of a check, saying it was a refund for the bond and XXXX fees. 
I asked if we were done and If I was safe from jail. He said I was innocent. He told me what I need to do now that I was clear. No social media, no telling anyone for 24 hours. They told me to update them on what I am doing every hour. Unless I was sleeping, then I need to say I am sleeping. He said the next day the cops will come and look at my documents. 

I already filed claims to all platforms from which I sent money. XXXX was able to refund me, but XXXX Zelle denied my claim, so I wont be receiving my {$2000.00} back. As foXXXX XXXX XXXX XXXX XXXX Zelle and Wire transfer claims, they are still being processed.
Consumer complaint received 2022-06-06
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. (NC)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX DEPTEDXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ACCOUNT # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) ACCOUNT # XXXX Has violated my rights.

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
Consumer complaint received 2022-07-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Experian is saying they did not get this report # XXXX and they make it very hard for me to call them and they act incompetent at their job I spoke to XXXX at Experian on XX/XX/2022 at XXXX EST and she claimed this was not submitted and I want the status of this complaint immediately as a Consumer I am entitle to this information in a timely manner 4 days from complaint date which was XXXX XXXX.
Consumer complaint received 2022-06-07
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. (TX)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX 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 agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-07
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 an account without my written instructions.
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received emails at XXXXXXXX XXXX stating that I opened a Capitol One 360 checking account and that account was linked to XXXX XXXX. However, I did not approve of this transaction. I attempted to call the bank, however they are not opened ( open from XXXX XXXX  to XXXX XXXX  ). I went onto Capitol One website and changed the phone number as well as security information to prevent any more harm.
Consumer complaint received 2022-06-07
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. (NC)

Took a trip to california in XXXX of last year upon returning from my trip i found that to of my bank issued credit cards had been used in transactions were my card wasnt present after that i started to get a lot of strange things on my credit report names address and accounts that ive never used or had as well as open account and inquiries contacted the banks and stopped cards and accounts also filed an identity theft report online contacted all 3 credit breau and have had no luck in gettint these things take care of this is all identity theft attempts on my report name XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX places of employment and a collection from a XXXX XXXX  {$150.00} ive never done anything with this company and tons of inquires that are to many to list from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX And also XXXX XXXX XXXX ive never heard of or done anything with dont understand how they can report this fraud on my credit as if its accurate ive tried contacting them to help XXXX XXXX transunion
Consumer complaint received 2022-01-10
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (PA)

True Accord sent me and email stating that they now own a alleged debt of {$400.00} that I allegedly owe to a company called XXXX. I owe no such debt and would like them to cease and desist contacting me.
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (KY)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ( IC SYSTEM ) for committing identity theft. I have never given ( IC SYSTEM ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from ( IC SYSTEM ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( IC SYSTEM ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( IC SYSTEM ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( IC SYSTEM ) continues its collection efforts, I will file for litigation for actual damages caused and ( IC SYSTEM ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2023-08-10
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)

Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX writing to bring to your immediate attention serious inaccuracies found on my Experian credit report. 

Upon careful review of my report, I found the following derogatory marks that I believe are incorrect and request immediate investigation : XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX XXXX XXXX  CO ) Account # : XXXX Account Type : Collection Account Status : Derogatory Balance : {$1600.00} each Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX, Account # : XXXX, XXXX Account Type : CollectionXXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Status : Derogatory Balance : {$420.00} each High Credit : {$520.00} Last Reported : XX/XX/XXXX, XX/XX/XXXX Comments : Customer disputed account - reported by subscriber. Consumer disputes this account information. Medical. Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX Experian Account # : XXXX, XXXX Account Type : Open Account XXXX XXXX XXXX Account Status : Derogatory Balance : {$960.00} each Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Comments : Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. Collection account. 
Date Last Active : XX/XX/XXXX Please note that these accounts do not belong to me, and I have never authorized or engaged in activities related to these accounts. I believe there may be a mistake in recording these accounts under my profile.

Furthermore, I kindly request you to update my current address and remove the previous incorrect addresses mentioned in previous correspondence.

I request immediate investigation and removal of these discrepancies from my report as per the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). Please send me a corrected copy of my credit report as soon as these corrections are made.
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-07
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Consumer complaint received 2023-08-10
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. (WA)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-06-07
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights in the amount of {$1700.00}. 

15 U.S.C 1681 section 602 A ; Stated I have the rights to privacy.

15 U.S.C 1681 section 602 A Section 2 ; It also stated a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-06-07
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: EQUIFAX, INC. (CA)

On XX/XX/2022 I sent a letters Equifax credit reporting The Credit bureaus stated Account Name : XXXX XXXX & Account # XXXX was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for a removal. They also violated my rights under 15 U.S.C. 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions I havet given these accounts written permission to furnish these accounts on my credit report
Consumer complaint received 2022-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (PA)

I purchased XXXX tokens from the BinanceUS app yesterday XX/XX/2022. BinanceUS held my funds for 24 hours. After 24 hours were completed I tried to send my XXXX tokens to my XXXX wallet. A prompt told me that I need to wait ten more days. I spoke with the Binance Official Support on XXXX about the issue. The representative told me that I needed to buy more XXXX tokens in order for them to help me. I can't do that right now. I'm rebuilding my life after divorce, and investing in Binance is causing me to need to put my life on hold. I need to be able to move my funds as needed. My purchased tokens are my property ; and the XXXX says so. But Binance is withholding my property from me, and forcing me to buy more. Please help. Thank you.