davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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: Experian Information Solutions Inc. (FL)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have provided documentation to these company 's back in XX/XX/2023 advising that this information is in correct nor do I know how they were reported on my credit file. I ask the bureaus to remove them within a timely manner of 30 days. Nothing has taken place and we are over the 30 day time frame
Consumer complaint received 2023-04-24
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. (SC)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I leased my XXXX XXXX in California in XX/XX/XXXX. In XX/XX/XXXX I moved to texas and decided to buy out my lease on that date. I went to XXXX XXXX to pay for registration and pay for sale tax because this is personal use vehicle. I dont have business and this is my personal use. I just got 4 mails from XXXX  financial services stated that I own them personal property tax for my lease in XXXX. I already purchased this car in XX/XX/XXXX. They should take off my vehicle Vin number out of their inventory list so XXXX XXXX dont have to send bill to them. I went to XXXX XXXX regarding about this matter and they said nothing to do with me, XXXX XXXX sent tax bills to XXXX because the vehicle still on their inventory. I tried to reach XXXX from their support website and no one reply back to me and try to solve this problem. I got bills again and said I have 10 days left to pay them. This is harassment and it is not about money, I dont like to pay for their mistakes and now will lead to send me to collections for the debts I dont own. Bad business and seem like no one help. Please help me thanks
Consumer complaint received 2023-04-29
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX 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.

1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( I have contacted the CEO via email which I have attached asking for removal ) 15 U.S.C 1666B : A creditor may not treat any payment on a credit account under an open end consumer credit plan as late for any reason.

I have tried not to take this route however, due to these 2 late payments my reputation and character is being question damaging my opportunity to obtain a home for my son & I. I am a hard working single mother just trying to get by. I have built a great relationship with XXXX and would like to continue this. Please help me. 

I have reached out to each credit bureau but have not been provided with any assistance.
Consumer complaint received 2023-10-11
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (TX)

I have a paypal account, which includes credit card, a Line of credit, and the clearing acct to move money. I only use the credit products and never the " checking '' or whatever clearing account that is paypal. Their transaction history is too difficult to understand online as everything is commingled together. 

Paypal closed my line of credit which I don't fully understand why, the account didn't carry a balance the last couple of months. I'm not overly concerned with this. 

Now Paypal is calling me in a harassing manner - such that a recorded message ask me to confirm identity by pressing 1, however, the message does not respond and continues to ask me to press 1 to confirm identity. Originally I suspected it was fraud. I then log into paypal and noticed a negative balance, for which I'm not aware, and trying to decipher what the monies owned is for is impossible given the commingling of transactions. The only service that should be used ( infrequently ) is my PayPal credit card - mastercard. So why is PayPal trying to collect money from me? what reason? My credit card is paid in full each month. I attempted to call paypal however their same tactics are at play- they refuse to allow me to speak with anyone to understand what the charge is for. 

I'm not unwilling to pay this money if I can understand why there is a charge for an account that is never used. While we are at it, I want to know why Paypal closed my LOC. I didn't care at first but now I'm suspect ill intention on part of Paypal. Like other XXXX their stock is dropped and I'm willing to suggest they are implementing dark patterns to collect fees from customers in an abusive or unfair manner.
Consumer complaint received 2023-07-27
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. (NV)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, XXXX AND TRANSUNION Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX AND TRANSUNION Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-30
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. (NY)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-26
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. (NV)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-04-29
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. (NC)

I submitted a letter on XX/XX/XXXX, requesting the removal of unknown accounts and inquiries from my credit file. Today, I learned that these items should have been removed no later than 4 business days after that date, according to FCRA 605B ( 15 U.S.C. 1681c-2 ). These errors are significantly affecting my credit score, and I demand immediate correction in accordance with FCRA. As I previously stated in my Complaints, I am reiterating my request to remove the specific items listed below : XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want to emphasize that I did not open these accounts or authorize anyone to do so on my behalf. I strongly believe that this is a case of identity theft, and I am taking necessary steps to report it to the authorities.
Consumer complaint received 2023-07-27
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. (PA)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (CA)

In my business I use my company credit card for almost 100 % of my purchases and expenses. As a result I enjoy the Wells fargo Bank ( WFB ) Rewards program, where I earn points that I mostly use for Airline Travel or Gift Cards. 
For eight weeks now, I have been fighting WFB because their Rewards program experienced a System Error with my account and froze my earned points. 
Attached is a WORD document that is a log I immediately began to document the time and progress to correct their mistake. So far, I estimate that I have spent almost twenty hours either on the phone, or in person at one of their branches, with no success. 
One of the WFB Rewards Customer Service Agents privately recommended that I take legal steps. 
The Total Available Points is now : XXXX This has a cash ( or Gift Card ) value of {$4000.00} In airline miles it is worth even more.
Consumer complaint received 2023-05-07
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. (TX)

XXXX XXXX XXXX opened XX/XX/2022 This account was opened without my knowledge. I've tried reaching out to company and pleading my case they told me to make a police report which I did and also make a identity theft report with the FTC which I did. Recently I submitted a complaint with CFPB and the account came back as verified with XXXX and Transunion but XXXX came as not verified and was removed from report
Consumer complaint received 2023-07-26
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. (FL)

There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Consumer complaint received 2023-04-29
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$2600.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

I signed.up for free 25 day trial with XXXX XXXX. I received it on XX/XX/2022 but the internet wouldn't work where I live on the river. I sent them email on XX/XX/XXXX telling them that so they said send it back. I did the next day so I was still in my 15 free days and it never worked so I never created account with them but they said I still had to pay. I was still in the 15 free days. I only had it 5 days.
Consumer complaint received 2023-04-29
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (WY)

I recieved a text wanted me to set up payments for an XXXX XXXXXXXX. I have never had an XXXX XXXXXXXX nor does it show up on my Credit Report. Is this a fishing text? 

This message is from Spring Oaks Capital , LLC. 

We have alternative payment options to help you pay off the debt on your account. Pay off the balance of your account with payments of {$38.00} per month for 19 months. 

To set up a payment plan, visit XXXX. You can also reply to this text or call XXXX to get in contact with one of our friendly representatives. We have agents ready to respond during normal business hours. 

This message is regarding your XXXX XXXXXXXX account originated by XXXXXXXX XXXX, which is now owned by Spring Oaks Capital SPV , LLC. We have a number of payment options available that are just a few taps away. Make your payments more manageable by finding a plan that works for your situation. 

We are a debt collector. Click here for important disclosures XXXX XXXX XXXX Reply STOP to opt out.on my credit report.