davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-04-26
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. (WI)

Over the course of the last 6 months Ihave sent multiple complaints about all XXXX credit bureaus reporting alleged medical debts violating medical laws and all without my consent. I have written them at least 3 times and asked them to remove them. I have the letters saved as well as the responses. Please address this immediately. Thank you.
Consumer complaint received 2023-03-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC (MD)

I entered into a loan with OPPloans without completely understanding the terms of the loan. I'm being charged 130 % on a {$3000.00} loan. This exceeds both the usury limits of Hawaii, where the loan originated as well as Maryland where I currently reside.
Consumer complaint received 2023-04-26
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. (NY)

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 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 2024-10-31
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NV)

I'm getting so sick of this thing erasing what I said I can scream along with this Wells Fargo run around that just wont stop!! Thete are too many departments amd they do not communicate with each other especially with remediation!

I did everthing that the lady told me to do in response to my last complaint! Ive been battling with this for a year now! And everytime I'd email them it would sometimes take 2 weeks to get an answer and then tbe anwer would be vaugue and useless. 
Well I went to a notary and printed the form and sent in to the address in North Carolina I also email XXXX and they know nothing and say that!. I give it 2 weeks then I call Remediation last Friday. A guy named XXXX said to email hin the will and order to Wells Fargo Specialized Customer Care Attention : XXXXHe said that as soon as he was legally able to discuss it I would be happy! So I did that immediately amd called back today Wednesday the XXXX of XXXX and was told that the documents were still not available to then to call back in a week. 
So I called the XXXX XXXX and the lady said I might need to go back to the attornny who handled the estate and get a new order for Wells Fargo ( well how come what I had then was enough to close his account, make an esate account, and get the contents of the safety deposit box??? I dont get it?? She mentioned to reissue some check for {$15.00} and that that might take a month to process. She said that she did all she could. She didnt know anything about that notarized document Id sent back weeks ago etc Ive been getting the jerk around for over a year now!! Whats so hard about making me happy??
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

This account has been showing on my credit report for over a year and I have been requesting information on who applied for account phone number, payments made, payments schedule, contract, names on account. I have not received XXXX response from them. I started disputing with bureaus and they continue to show verified. When asking for proof and documentation I have not received from company or bureaus. 
This process has been stressful with no help of getting a resolution. I will be contacting the XXXX and will be looking into legal help. I have tried to do everything in order to clear my name. Not one time have I received a notice or call from this company about any sort of payment, nor do I show them on my bank statements at any time.
Consumer complaint received 2024-10-28
Product: Credit reporting 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 HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY THE SILENCE OF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT. NOR THEREFORE ANY SUCH DEBT IN FACT THERFORE EXISTS. ( PLEASE REMOVE THESE ACCOUNTS BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ) XXXX  BALANCE {$100.00}, XXXX XXXX  BALANCE {$0.00}, XXXX {$0.00}, XXXX XXXX XXXX BALANCE {$120.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$360.00}, PLEASE REMOVE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
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. (VA)

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX  Re : XXXX XXXX XXXX - XXXX I recently reviewed my credit report and found some errors in the reporting of XXXX XXXX XXXX - XXXX. You are reporting information about me that is inaccurate. All the three credit bureaus are reporting different balances and payment information. This account has not been properly verified. Delete the following account immediately for failing to comply with the FCRA : XXXX XXXX XXXX - XXXX Thank you for your time, XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-19
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: CL Holdings LLC (NJ)

Complaints were filed on XX/XX/2023 and all i got was feedback provided and company responded i tried to apply for loans but were denied do to negatives on my credit report which is a violation of 15 USC 1681
Consumer complaint received 2023-04-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I am writing to report a fraudulent transaction on my PayPal account that was closed by PayPal as ineligible for Purchase Protection. On XX/XX/2022, I reported a charge of XXXX XXXX  to XXXX XXXX and requested a refund. However, PayPal closed the case without providing a refund or any explanation. 

As a consumer, I trusted a large multinational company like PayPal to protect me from fraudulent transactions. I never thought that something like this could happen to me. I made the payment to XXXX XXXX after seeing an advertisement on their website claiming to offer an easy and quick way to set up a corporation and rent it out. They even stated that PayPal payments were accepted, so I proceeded to make the payment without much suspicion. 

However, after receiving my payment, they demanded an additional payment of XXXX XXXX  before proceeding with the corporation setup. I made the payment again, but ever since then, I have not been able to contact them. They keep asking me to go through an authentication process, but even after completing it, they keep asking me to do it again. I have not been able to contact them since XXXX, and I feel extremely frustrated and hopeless. 

I strongly believe that this transaction is fraudulent and that I have been unfairly treated by PayPal. I have provided PayPal with all the necessary documentation and information to support my claim, but they have failed to take any action. I am urging you to investigate this matter thoroughly and take appropriate action to prevent fraudulent transactions like this from happening to other consumers.
Consumer complaint received 2023-04-26
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. (FL)

I am writing to bring to your attention the inaccurate information that has been reported on my credit report by Equifax. I had contacted Equifax on XX/XX/XXXX regarding the following incorrect information on my credit report. However, to this date, I have not received a response from them. 


The following account was never late XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$53.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$76.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$14.00} ). Please correct this inaccurate information on my credit report.
Consumer complaint received 2023-04-26
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. (NV)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousnessXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-26
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. (NV)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX XXXX  XXXX XXXX Balance - XXXX XXXX XXXX Balance {$970.00} XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX, XXXX XXXX Inquired on XX/XX/2021.
Consumer complaint received 2023-04-26
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. (NJ)

This complaint will gon na be my follow-up complaint to make sure that the disputed items that I complain about with my previous account dated XX/XX/XXXX, are verified in my file. I am including them again prior to my previous complaint. 

Please validate the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Request for Correction of Credit Report and Account Status Date : XX/XX/year> To : XXXX XXXX Customer Service XXXX XXXX XXXX Customer Service : Reference Number : XXXX Experian, XXXX, and XXXX Subject : Request for Correction of Credit Report and Account Status Due to Erroneous Charge Dear Customer Service Representatives at XXXX  XXXX, XXXX XXXX XXXX  and the Credit Bureaus, I am writing to request a correction of my credit report and account status following an unintended impact on my XXXX XXXX XXXX account, resulting from a charge made by XXXXXXXX XXXX XXXX. This charge, which was made in error, was subsequently reversed by XXXX 's XXXX. However, due to this transaction, my account was marked as exceeding its credit limit, which has negatively impacted my credit score and report. I would like to ensure that all records accurately reflect the resolution of this matter. 


Transaction Details On XX/XX/year>, my XXXX  XXXX XXXX credit card was charged {$50.00} by XXXXXXXX XXXX XXXX. Realizing that this charge was not intended, I promptly contacted XXXX 's XXXX to reverse it. XXXX 's XXXX processed a full reversal of {$50.00} on XX/XX/year>. Despite this reversal, XXXX XXXX reported my account as exceeding the credit limit, resulting in an XXXX decrease in my FICO score, which is now reflected in my credit report with Experian, XXXX, and XXXX.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Public information being shared without my permission. 

This information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, under 15 U.S.C. 1681b, there are strict guidelines regarding the permissible purposes for which a credit report can be accessed, ensuring that only entities with a legitimate need may review this sensitive information. Furthermore, 15 U.S.C. 1681 ( a ) ( 4 ) upholds my right to privacy, recognizing that consumer reports must only include accurate and necessary information, protecting individuals from undue harm or disclosure. Additionally, under 15 U.S.C. 1681c-2, there is a provision that mandates the blocking of information that is inaccurate, outdated, or otherwise incorrect in a consumer report. Given these statutory protections, I respectfully request that this erroneous bankruptcy information be investigated and removed from my credit report promptly. Thank you for your attention to this matter.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, bal. {$670.00} XXXX XXXX XXXX  XXXX, opened XX/XX/XXXX, bal. {$2800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (FL)

I have XXXX {$500.00}. automatic renewable CD issued to parents XX/XX/XXXX. They were issued by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Signed in blue ink by their employees. The CD are in pristine condition and not signed or stamped as cash on the back. The CD are 5 years CD they could of been cashed in XXXX but were not. PNC Bank is the bank that is the owner of the issuing bank. I went to PNC Bank XXXX XXXX XXXXXX/XX/XXXX provided original CD in original envelope also a copy of one interest payment. They could find no record of issuing CDs or cashing CD no record of XXXXXXXX XXXX XXXX I feel that if they should have some record of payment if no copy of CD. Maybe this was all recorded by hand before computers. PNC representative said he could find no information on either XXXX XXXX would give to another department. Within 2 hour left a message could find nothing. I understand they may not have kept records but my parents kept CD. Bad Business. How do i know anyone even checked? Is there boxes or disc somewhere of paper records. The representative did suggest i check my state unclaimed monies there was nothing under either parents names or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Their address was changed from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX