davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
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: Experian Information Solutions Inc. (OH)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-23
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: Credence Resource Management, LLC (PA)

I received an alert from XXXX and XXXX that Credence Resource Management had placed a collection on my credit report for the amount of {$350.00}. I immediately contacted the company to cease collection efforts as this collection account was fraudulent as my cellphones have always been under my business name and never my personal name. I sent a letter on XX/XX/year>. The company has failed to respond and is still reporting this fraudulent account. I have also disputed with XXXX and XXXX. Both are still reporting the account without properly verifying the account.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

EXPERIAN HAS NEGLECTED NUMEROUS OF TIMES TO REMOVE A FASLE ADDRESS AS WELL AS 2 INQUIRES THAT DO NOT BELONG TO ME. I HAVE CALLED NUMEROUS OF TIMES AND WHEN I FINALLY MADE IT THROUGH TO SPEAK WITH SOMEONE I WAS HUNG UP ON. I AM WELL AWARE THAT IT IS EXPERIAN JOB TO REPORT 100 % ACCURATE INFORMATION WHICH THEY ARE NOT. I AM ALSO WARE THAT MY RIGHTS UNDER THE FCR ARE BEING VIOLATED WITH THESE INQUIRES AND FALSE ADDRESS. I HAVE FILED A FTC REPORT AND NEXT I WLL SEEK REMEDY THROUGH COURT.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXXXXXX account for {$600.00} has been paid off. Experian is reporting The account has been charged off but has been paid in full that its over the credit limit. Please look into Experian due to the fact they keep on saying that this account is 100 % accurate and verified. Meanwhile, the account was on charge status and it paid in full, but Experian is reporting its over the credit limit.
Consumer complaint received 2024-05-05
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. (IL)

Once more, I must emphasize my disagreement with the items listed below, which persist on my credit report despite your prior investigation. I am formally requesting an immediate re-investigation of these inaccuracies. Their presence is significantly detrimental to my credit score, especially regarding the XXXX XXXX Account XXXX. As stipulated by The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, I respectfully demand the provision of the names and business addresses of each individual you consulted to verify the aforementioned items. This information is crucial for me to pursue further action if necessary. Upon the completion of your investigation and subsequent corrections, I kindly request the issuance of an updated credit report.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I am 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 2023-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

The complaint is against PayPal. I have had an account with PayPal for a long time that I rarely have used except maybe 1 or 2 transactions over the life of the account since it was created. They placed my account on a temporary restriction and requested information from me to resolve the account restriction including linkage of a bank account and photo ID. These documents were submitted and accepted when I was logged into my PayPal account. 

Today, I received an email with a receipt indicating a purchase through PayPal that appeared to be a scam. I do not use PayPal. I logged into my account on the legitimate PayPal site to close my account which I was unable to do so. The site indicated that I needed to resolve issues with my account to remove the limitation and could not close or delete any information until that time. I also found the attached notice that stated, " We're permanently limiting your account. You can no longer use PayPal as we've decided to permanently limit your account after review. '' I called PayPal today at XXXX and spoke with XXXX. She stated that PayPal determined that transactions on my account were a security threat to PayPal and its users despite seeing that the account is not used. She stated that I could not close the account or delete any information with the permanent limitation status that she could not override. She would not immediately state the reason that my account was permanently limited but then stated it was due to the photo ID that I submitted upon their request that created the issue but would not tell me anything more. She said that I could submit another photo ID for review. I refused stating that I would not provide any further information since PayPal was not letting me have control over it. She kept referring back to the User Agreement. She could not do anything further. I stated that I would file a complaint with the FTC and CFPB to have my account and all the information deleted from their databases.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my several endeavors to tell credit bureaus that I am a victim of identity theft, and I complain to question specific records in my document that came about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, remove any noteworthy information from my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$8400.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2024-05-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: The Aligned Company DBA Extra (AZ)

My identity was stolen and used to open multiple accounts including one at XXXX also known as ALIGNED COMPANY. I notified XXXX of the identity theft multiple times and requested removal / block from my credit report. Although they have updated the account to show closed / paid, negative entries from past missed payments still appear, which affects my credit score.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

This account is consistently reporting a balance that's not correct, they closed the account and opened up another account number and extended me credit in that account, but kept the balance of the old account, also, the balance is not reporting correctly and is steady increasing despite payments being made. XXXX is not doing well by me and this account is killing my credit.
Consumer complaint received 2024-05-08
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. (GA)

ACCORDING TO 15 USC 1692g COLLECTIONS NEED TO BE REMOVED FOR MY ACCOUNT IMMEDIATELY OR LEGAL ACTION WILL PROCEED.

ACCORDING TO 15 USC CODE 1681S-2 CHARGES OFF NEED TO BE REMOVED IMMEDIATELY OR LEGAL ACTION WILL PROCEED.

ACCORDING TO 15 USC CODE 1666B ALL LATE PAYMENTS NEED TO BE REMOVED IMMEDIATELY OR LEGAL ACTION WILL PROCEED.

ALSO MY LEGAL TEAM HAS ALREADY STARTED FILING LAW SUITS FOR EACH VIOLATION FOR EACH CREDIT BUREAU.CFPB ALREADY KNOWS ABOUT MY INFORMATION BEING LEAKED/STOLEN/USED FOR FRAUDULENT ACTIVITY SO I AM ASKING YALL TO PLEASE USE THE AUTHORITY YALL HAVE AND MAKE THESE REPORTING AGENCY 'S ABIDE BYE OUR US LAWS AND GET THIS FRAUDULENT ACTIVITY OFF MY CREDIT REPORT IMMEDIATELY.THANK YOU ACCORDING TO 15 USC CODE
Consumer complaint received 2024-05-09
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. (GA)

Upon examining my credit report, I identified inaccuracies in some of the information provided. It is imperative for the XXXX credit bureaus to verify these items. They are not permitted to label this reported items as unverified without presenting evidence within the legally stipulated timeframe. The mentioned items require thorough investigation and correction for the erroneous entries in my credit file as listed on the report. The following unverified items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPayment Status : Late XXXX  Days, XXXX XXXX Balance Owed : {$6800.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (CA)

Date : XX/XX/XXXX Bank : Chase Amount : XXXX + XXXX totaling {$10000.00} Action : I received email notifications about tickets purchasing on XXXX on XX/XX/XXXX that I did not make, on my chase freedom unlimited credit card ending XXXX. Those tickets were for events happening on XX/XX/XXXX. On XX/XX/XXXX, I immediately called Chase to report the fraud transactions. I was told by the customer representative that the transactions have been marked as fraud and a new card was issued. However, after about a month, Chase reserved the charges and claimed those were valid. I opened a new investigation with Chase fraud department, but still hear back that the charges were valid, because my name, email, and home address were used. However, those information could be compromised easily these days. I did my best, by calling Chase right after noticing the fraud charges, a couple hours after the fraudulent charges were being made on my credit card. But Chase still claim those charges were valid. Those charges are standing on my credit card balance and starting to accrue interest.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

I was unable to obtain credit today XX/XX/24 due to Experian 's incomplete information, and no credit score. Yet they alerted me of the pulling of the report and my credit score today when it happened. l have an account with Experian so this is totally inconsistent information that they are sending all parties. How is this possible?
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion has responded to my multiple attempts of getting a bankruptcy that does not belong to me removed from my credit report. Per the attachment it states verified. I provided a letter from the court for which stated they do not share information with credit bureaus and requested PROOF that the bankruptcy belongs to me. Transunion has failed to provide proof. I am requesting documentation including my signature, ID, etc., proving the bankruptcy belongs to me. This is the ONLY bureau reporting this information and it does not belong to me.
Consumer complaint received 2024-05-05
Product: Credit reporting 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)

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 U.S.C 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1682 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or had reasonable cause to believe the information is inaccurate
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax continues to report accounts which have aged off and should no longer be reporting as per FCRA statutes. They have recently deleted the delinquency dates on the following Tradelines which are past the 7 year reporting limit : XXXX XXXX XXXX XXXX First Delinquency XXXX XXXX negative tradeline discharged XXXX XXXX NEARLY XXXX XXXX XXXX  - they refuse to delete it and the representative stated that she did not have to adhere to the FCRA statutes, just what training she felt she had! No investigation or deletion occurred. 

XXXX XXXX Past 7 year FCRA staute of limitations ... yet someone within Equifax simply copied the data from a different account I had with this creditor instead of deleting the record as law dictatesQ 2 different XXXX XXXX XXXX XXXX Accounts- INCORRECTLY UPDATED WITH NEGATIVE DISPUTE COMMENTS ON XX/XX/XXXX ... .BOTH ARE OLD AUTO LOANS WHICH CLOSED SATISFACTORILY ... ONCE AGAIN A REP AT EQUIFAX ARBITRARILY ADDED XXXX INFO TO TRADELINES FRAUDULENTLY. I PAY THE PRICE HAVING XXXX STRONG AUTO LOANS FROM FACTORING INTO MY SCORE - PREVENTING MY NEW HOME PURHASE WITH ALL THESE ERRORS! 

XXXX XXXX XXXX  - AGAIN FALSELY REPORTED DISPUTE COMMENTS WHICH I DID NOT INITIATE! AGAIN REMOVING A POSITIVE ACCOUNT FROM FACTORING INTO MY CREDIT HISTORY! 

XXXX XXXX - XXXX SENT XXXX LETTER WHICH I SENT TO EQUIFAX REQUESTING REMOVAL OF THIS FRAUDULENTLY REPORTING TRADELINE. THERE IS NO CREDIT INQUIRY, I DID NOT APPLY FOR CREDIT WITH THEM. IT WAS PLACED ON MY REPORT IN ERROR - EQUIFAX IS THE ONLY BUREAU THAT CONTINUES TO REPORT!
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the fair credit reporting act XXXX Account has violated my rights. 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 SECTION 604A. 15USC 1666B please remove all late payments. USC 1637B.