davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CashRepublic Holdings, Inc. (CA)

According to Omni Financials Non-disclosure agreement letter it states, " CREDIT BUREAUS : I understand that you MAY report information about my account to the Credit Bureaus and other appropriate entities as allowed by law. I understand that my good payment history as well as late payments, missed payments, or other defaults on my account may be reflected in my credit report. 

IAW 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party 15 U.S. Code 6803 - Disclosure of institution privacy policy ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers. 

As these law states that YOU ( Omni Fiancial ) must not report any nonpublic information to 3rd party affiliates ( experian/transunion/equifax ) unless given consent from the consumer ( ME ) via in writing or electronic signature every 30 daya. I'm also choosing the option to opt out of reporting such information to any 3rd party affiliates as per 15 USC 6802.
Consumer complaint received 2023-10-27
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)

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. XXXX XXXX  XXXX XXXX - XXXX XXXX  - XXXX 2. XXXX XXXX  XXXX XXXX - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. And 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

And they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Eagle Recovery Associates, Inc. (IA)

I was called by an agressive person from Eagle Recovery who was unwilling to confirm or let me know who I was speaking with or what she was calling for with out me giving personal information. When informed of what the debt was I informed her that it was not a valid debt for them to collect as I have spoken to the original creditor. They became hostile. I told them they are no longer allowed to contact me or harass me. 

I spoke immediately with the billing department at the original creditor and they stated they did not contract with this company to collect on the debt.
Consumer complaint received 2023-08-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed these accounts with the bureaus on XX/XX/23 requesting verification and proof of validation for these accounts. I have not received any dispute results. 
These account have been inaccurately reporting with HIPAA violations, numerous inconsistencies within their reporting that I have provided from the reports, & one doesnt even have the name of the creditor attempting to collect & is outdated. 

Given the circumstances, I am allowing one more investigation before I take further action. 

Please supply a binding contract with my signature for all accounts attached. Failure to provide this will result in a deletion immediately.
Consumer complaint received 2024-08-19
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. (AL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming 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, block the noteworthy of any information in my credit record that came about due to an 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-20
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 (LA)

Subject : Urgent Request to Reinstate My PayPal Account - Unjust Limitation Dear PayPal Support Team, I hope this message finds you well. I am writing to address the recent limitation imposed on my PayPal account and to request its immediate reinstatement. I am currently facing significant difficulties with my business, and this limitation has only exacerbated the situation. 

Firstly, I would like to clarify that I sell my own brand of bilingual learning toys for children. Each order is diligently shipped with tracking via USPS to ensure transparency and accountability. I have maintained a strong track record of satisfied customers and prompt deliveries. 

It deeply troubles me that my PayPal account was limited without any apparent reason or warning. I have always complied with PayPal 's policies and have never engaged in any fraudulent or unethical activities. I humbly request clarification on the specific reason behind this limitation so that I may rectify any misunderstandings or address any concerns.

My wife and I are devout XXXX, and we are currently facing tremendous financial strain, especially with the impending arrival of our baby. The absence of PayPal as a reliable payment gateway has significantly impacted our ability to sustain our business during these challenging times. 

I kindly implore the PayPal team to reconsider this limitation and reinstate my account promptly. My intention has always been to provide high-quality educational products and foster a positive learning experience for children. I genuinely believe that my business aligns with PayPal 's values, and I am committed to adhering to all guidelines and policies moving forward. 

Your understanding and prompt attention to this matter would be immensely appreciated. I sincerely hope for a favorable resolution that allows me to resume my operations and support my growing family. 

Thank you for your time and consideration. 

Warm regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

As per FCRA 605B, it's obligatory to remove any incorrect accounts from my credit report. Can you please examine the documents? There are inaccuracies in some of the listed accounts concerning their reporting. These accounts must be removed promptly.
Consumer complaint received 2024-04-13
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. (WA)

Good day, I am submitting a follow-up complaint to address fraudulent inquiries listed on my credit report. I request that the Experian and XXXX bureaus review and remove the following unauthorized inquiries, in compliance with legal requirements : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I personally sent a Dispute Letter via Certified Mail to Experian on XX/XX/XXXX. This letter was delivered on XXXX XXXX XXXX XXXX XXXX XXXX as reported by USPS. 

I included the following information - A personally typed letter of a dispute with an information request - A copy of driver 's license - A utility bill with my full name and address to match my driver 's license and info on the letter This information was not only what my legal counsel advised, but it is also what I was told to provide by 1. ) the Experian website and 2. ) those who work in the dispute department at Experian. 

Today, on XX/XX/XXXX I received the attached email from Experian stating that my dispute does not appear to have been sent directly by me or to be authorized by me. As a precautionary measure, Experian has not taken any action on my request. 

I have provided all the necessary info needed to dispute this request properly. I have called Experian 's dispute department and was told that they couldn't disclose to me why it did not appear to have been sent directly by me. 

Not only do I not recognize this debt in any capacity, but I also noticed that XXXX XXXX XXXX reported this collection account as " past due ''. With that said, per my legal counsel I have been advised that a collections account is past due by default therefore they have failed to list this accurately. 

This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and Experian is required to remove any information that is not true, accurate, compliant, and verifiable. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party.
Consumer complaint received 2023-12-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mnet Financial Inc (CO)

XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. A partial payment was made on this day, prior to XXXX. A month later, I received a final billing statement with the final amount due, which I paid immediately in full. About XXXX of XXXX, I received a phone call from someone ( not sure who ) saying I still had an outstanding amount for {$100.00}, but they couldn't tell me what it was for ( note : this was over two years after my XXXX ). I then asked for a detailed billing statement because I wasn't going to pay for something until I knew what it was for. They couldn't even tell me the date ( s ) of service. Two months later I received the detailed billing statement and it showed a {$0.00} balance, so I did what any reasonable person would do. I ignored it assuming they had made an error on their part. XX/XX/XXXX, I received notice from a collection agency. The amount due was {$100.00}. A week later I received a phone call from the collection agency about the amount due. I subsequently told them I would mail them a copy of the billing statement that shows a {$0.00} balance and I didn't owe anything. I also informed them in writing to stop contacting me. XXXX XXXX I received another statement from this collection agency demanding payment of {$100.00}. The same company I explicitly requested not to contact me, and if they did, they would be violating the Fair Debt Collection Practice Act ( FDCPA ), and they did just that. Not only that, but they sent me a copy of the detailed billing statement, but the difference between their copy and mine was the " Balance Due {$0.00} '' was omitted. Imagine that.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (SC)

During the months of XXXX and XXXX of XXXX  several XXXX payments was made unauthorized to a XXXX XXXXXXXX on my chime account I disputed the charges and complaints because someone had hacked my XXXX account and they denied my dispute and this person got to keep my funds
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-05-16
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)

According to FCRA 605B, it's necessary to eliminate any inaccuracies from my credit report. I've noticed an error in my credit file, please rectify this. I'm entitled to {$1000.00} for each incorrect entry.
Consumer complaint received 2023-08-29
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. (CA)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Please remove this items ASAP.
Consumer complaint received 2023-09-20
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. (NY)

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.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I am taking this time to write you in reference to updating my personal information with your company. Please update my address in your records to the address listed below : XXXX XXXX XXXX # XXXX XXXX, Massachusetts XXXX Please update to my full legal name XXXX XXXX XXXX XXXX This is the only SSN attached to my name : XXXX My only correct date of birth is : XX/XX/year>. 
My only employer is : XXXX XXXX XXXX. 
Please remove all phone numbers on my credit report. 
Please remove all of the other addresses off of my credit report. The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate.
Consumer complaint received 2024-04-11
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-19
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. (IL)

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 2022-11-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

Between XX/XX/2022, I fell victim to two multi-layered scam operations run by the con artist XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase Inc. account to the fraudster.
Consumer complaint received 2024-04-11
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. (LA)

Account number N/A amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX 15 U.S.C. 1681 section 602A-consumer 's right to privacy. 

15 U.S.C. 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a ''. 

15 U.S.C 1681c { a } 5 ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-11
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. (DE)

I am following up on my complaint regarding the persisting negative accounts on my credit report. 

How many times must I dispute these same negative accounts with your department? When can I expect a satisfactory resolution from you? It is evident that you are incompetent and failing to fulfill your obligations and responsibilities diligently. Once again, I must emphasize that these negative accounts are all erroneous and inaccurate. Why? These items are not being reported to XXXX. You can easily verify these from the screenshots I provided from my latest credit report.