davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NV)

Paypal recently sent a letter informing me of changes to their user agreement, and by doing nothing that these new terms and conditions would be automatically implemented on the dates in the letter that ranged between XX/XX/XXXX and XX/XX/XXXX. They state in their letter an opt out provision that requires the closure of the account. 

I called on XX/XX/XXXX at XXXX pm and spoke with their customer service representative and told them I do not consent to their unilateral alteration of the terms and conditions, and thus would like to keep the current contracts governing our relationship in place, or close the account. They refused to do either, despite the letter which indicates that remedy as PayPal well knows they must receive either direct or implied concent to unilaterally alter the agreement that governs the relationship between them and their user. 

Paypal does not have a choice here without being in violation of contract law. I have requested to opt out of the changes, they have a remedy of closing the account if I do not concent, and now refuse to do either. A violation of their legal responsibilities as well as given their own opt out provision, which they are not allowing me to exercise, a violation of the covenant of good faith and fair dealing. 

To be clear, I am opting out of the changes on both my personal and business account with PayPal associated with the email addresses XXXX and XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

15 U.S. Code 1681c 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished of my consumer report as they are in VIOLATION Under. 15 U.S Code 1681b - Permissible purposes of consumer reports ( A ) In General to subsection ( ) any consumer reporting agency may furnish a consumer report under the Following circumstances and no other : ( 2 ) In accordance with the WRITTEN Instruction of the consumer to whom it relates. I NEVER gave any consumer reporting Agency WRITTEN CONSENT to report anything on my consumer credit report which is violation of my rights as a federal protected consumer. NO CONSENT IS IDENTIFY Theft and I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-04-24
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-02-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (PA)

I was out of the country on XX/XX/2024. I left my phone in my bag a few times on my vacation. On XX/XX/XXXX, i realized that my bank account was missing {$1000.00}. I immediately checked my accounts to see what happened. I realized that my XXXX was used to send money to a person that i dont know. I contacted XXXX to report it as a scam & said that i didnt authorize this money to be sent. XXXX told me that there wasnt anything further they could do and they said that this wasnt fraud. I contacted Chase Bank to report it as a scam & they closed my card, sent me a new one, and temporarily put the money back. Yesterday, XX/XX/2024, i received a letter from chase saying that my claim was denied and they would be taking out the {$1000.00} from my bank account again on XX/XX/2024. I called the bank find out what happened & to get further documentation for my claim. The associate that i spoke with told me that i had sent money to this person before and that you could see it in my bank statement. When i told her that was not true, she became frazzled then proceeded to make things up, like well youve received money here before from XXXX XXXX & it was from the same person. Thats why you cant get your money back. When i asked her to speak to her supervisor, she tried to get me to change my mind & stated that i should just call XXXX. When i spoke to her supervisor, they stated that chase wouldnt return my money because i used XXXX before & the IP address was the same for sending the money. I told him that both of those things were true but Ive never sent this person money before because i dont know them. When i asked him for further details, he said he couldnt give them to me because the details were meant to be internal. How is that possible when Im the one whose money has been taken? I didnt have my phone on me 24/7 but i dont know this person. Much less, i dont send {$1000.00} on XXXX XXXX ever. I only send that amount of money on XXXX.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-04-24
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. (CT)

I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THTA THERE ARE FRAUDULENT ACCOUNT ON MY REPORT, PLEASE REMOVE THOSE FRAUDULENT ACCOUNTS FROM MY REPORT, BECAUSE THEY ARE HARMING MY ABILITIES TO OBTAIN CREDIT.
Consumer complaint received 2023-11-07
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)

I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, all information reported must be accurate and correct.

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it remains on the other two reports, namely Equifax and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution. Sent letter XX/XX/2023 and never received response
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I WAS A VICTIM OF IDENTITY THEFT AND I REQUEST THAT THESE ALLEGED ACCOUNTS BE REMOVED IMMEDIATELY. ACCOUNTS : XXXX XXXX  XXXX XXXX XXXX FRAUDULENT INQUIRES : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: State Collection Service, Inc. (GA)

XX/XX/XXXX ( {$270.00} ), and XX/XX/XXXX ( {$430.00}. Police reports filed in the state of which I reside. Disputing the validity of the debts with the credit bureaus with validated status returned with no proof of claim. I'm not sure how theses accounts were opened and being reported in my name but i've stressed nearly all resources to get them resolved. Contacted company requesting validation of debt but have yet to receive anything from them.
Consumer complaint received 2024-04-24
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. (TX)

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. they are hurting my report as these are under the negative items which have late payment remarks. it's been months fighting for my right. Kindly remove the following as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (NC)

I signed up to receive my statements online because the bank charges {$3.00} per statement to deliver them via USPS. But I can not access my latest statement ( which should have been generated on XX/XX/2023, and it is now XX/XX/2023 -- and my latest payment based on the XX/XX/XXXX statement is due TODAY!! ). I contacted the bank by telephone to find out why the statement is not available to me online, and all their representative could tell me was that it was " delayed. '' She could not tell me why or when I would receive my statement. Yet I am still expected to make my payments on time!
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (CA)

Chase bank had a special offer to sign up for their Freedom XXXX credit card and I can then obtain interest free balance transfer to pay off my XXXX card. 

I accepted this offer received the said card and applied for a balance transfer of {$14000.00}. 

Unfortunately for some unknow reason after one week the balance transfer was unsuccessful so funds were refunded in full back to my XXXX card. 

I called up Chase who repeated this transaction and again it was rejected so funds were returned. 

Finally the issue was escalated and a senior banker personally handled the transaction on XX/XX/XXXX 

Since this date XXXX never received the funds and I have never received a refund and I am now incurring fees from Chase for the unsuccessful balance transfer and now late fees of approx {$600.00} from XXXX. 

I should not my XXXX card is issued in XXXX XXXX but on all three occasions Chase claimed this was a non issue and all should be fine however now XXXX cant really use either card and am being charged for both with increasing fees.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TransUnion is reporting 23 unauthorized Hard Inquiries to my Credit Report. 

All Inquiries dated from XX/XX/XXXX thru XX/XX/XXXX are unauthorized and therefore, should be deleted as soon as possible. 

Any assistance and / or direction regarding this matter would/ is definitely so appreciated!!
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-12-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Collectors Corp. (WI)

Professional collector corporation is at it again. Professional collector corporation is reporting on my XXXX and XXXX. Pcc  is reporting to XXXX they are reporting a bill that is from XXXX in the amount {$4000.00}. They are also reporting the same bill for XXXX on XXXX for {$1100.00}. Funny thing is I talked to XXXX XXXX and he said that they are not reporting this bill to XXXX. I didnt realize these sneaky people were reporting on my credit bureau on XXXX XXXX well. XXXX has bills that they put on my credit bureau which is XXXX twice. Which is XXXX, XXXX which is on XXXX and XXXX XXXX as 2 different amounts. They also have on XXXX bills that are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. All of these bills I just listed are not owed to pcc which they are representing XXXX XXXX XXXX These bills are actual fraudulent since these bills dont exist. If the Wisconsin department of financial institutions would had done there jobs and took away professional collector corporation license this would not be going on. Pcc/ XXXX XXXX XXXX gave all of the bills that are not due to them since my health insurance picked up all of my medical bills with a contractual agreement. Nobody should have the power like these people do and try to ruin someones credit to get money that is not due to them. I truly believe that pcc is not a true collection agency because nobody would put so much on the line unless there is some serious fraud going on. Where did these bills come from that you are reporting on my XXXX and XXXX? Everything that pcc sent to the XXXX department of financial institutions doesnt add up to what I received and what they are reporting on my credit bureau . According the the records that pcc sent to XXXX and then made copies and sent me these bills are fraud.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This company is reporting payments on my report. This account was never late. The company is reporting I am late 30 days on one reporting agency and 60 days late on another. According to Metro 2 compliance and the FCRA all information should be reported the same to each reporting agency.

There is an error with this account reporting, this account was never late. 

I have attached the payment history showing there was a payment made in XXXX, when the alleged 2nd late occurred on one bureau, and XXXX payment was also made for the alleged 1st Payment.

Attached is also the reporting inaccurate from one credit bureau to the next.
Consumer complaint received 2024-02-29
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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (TX)

I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, all information reported must be accurate and correct. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of XXXX. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

The credit bureaus keep disrespecting the laws. I showed them XXXX times of how they are violating 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/2023 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2023-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I had never done business with XXXX XXXX XXXX. This is an account as a result of identity theft, therefore needs to be removed. Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.