davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I was on XXXX XXXX orders and did a military deferral of my payments. During that time someone in the company coded the deferral as a covid deferral meaning at the end they expected me to pay back those months or refinance my mortgage. I fought and told them it was for the military. They asked me to submit paperwork which I did, and then they asked me to fill out their deferral paperwork showing my paystubs and other information. I sent them all the required documents multiple times. After every time I send the documents, they wait until the documents " expire '' then call me saying they haven't received them, or they finally found them but the dates are wrong. It's been two years of fighting with this company who has been bought out by servbank. I am selling the house and looking to buy another but servebank is reporting my payments 90 days late, even though I've been making my payments on time every month since the deferral expired two years ago.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MI)

Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. 
The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 


XXXX Citi Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Receivables, Inc. (GA)

This company has been calling an harassing me for weeks now. I have advised them that I canceled the account in XXXX. Additionally, I haven't been in the club since XXXX of XXXX. I was pregnant and in the hospital until XXXX of XXXX. Not once have these people tried to verify the debt like asking me who I talked with or my documents for cancelation. Nor have they provided any bills or any statements to validate their claim. This has been placed on my credit report as a collection, to which they verified the debt as being valid when they have yet to provide any documentation of that nor request any documentation from me. At this point, they can resolve it as a debt not owed because it was canceled, show me PROOF, or we can all go to court over {$300.00}. I have lawyers. It's not about the money. It's about the principal. If we go to court, I guarantee they will owe me more than the measly money they are trying to collect on an account that was canceled. I did not have a contract with XXXX XXXX.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MN)

On XX/XX/XXXX I was scammed out of {$190.00} by a phone number matching Chimes customer service number. Chime is refusing to give me my money back or do anything about the scam. On XX/XX/XXXX the same number called me 5 times in a row in an attempt to get into my account again. Chime investigators haven't used the documents I've sent to them proving it wasn't me that made the transactions and continue to deny my disputes in a matter of hours.
Consumer complaint received 2024-03-25
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (MO)

This company has reported to the credit bureaus false and inaccurate infortion that is damaging my credit and making me suffer along with im getting denied by landlords does not want to rent to me. This company is also violationf FCRA laws and trying to collect a debt they copies bill over a letter head paper 8 X11. I have proof that this company is not registered and does not does business in the state that there trying to collected a debt in which is another violation of my consumer rights. I have asked this company and the credit bureaus to show me proof of validation that i owe this debt to this company which continues to tell the credit bureaus they verified the debt but i never signed nor done business with this company nor have i gave them consent to do anything. 

I state below that i have proof to show my statement im writing is true. I also have and FTC reoport to show that this company stole my identity and trying to collect a debt from me which is another violation.
Consumer complaint received 2024-03-26
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. (NJ)

I reviewed my consumer reports and noticed that I had a two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability and with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshots inside of this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thank you! Please see screenshot attached :
Consumer complaint received 2024-03-25
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. (AZ)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX Transunion XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (NY)

I submitted a written dispute to Experian, XXXX XXXX XXXX, XXXX on XX/XX/2024. Included in my dispute was a notarized cover letter, legible copies of my SOCIAL SECURITY CARD, DRIVERS LICENSE AND UTILITY BILL which include the same addresses. The credit reporting agency sent me mail requesting the same documents that Ive already submitted in my initial dispute. This delay has caused me damages and it is clearly a willful noncompliance on the part of the credit reporting agencies.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I'll never live at the following addresses this is incorrect : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please delete the following incorrect employer : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I wrote XXXX checks to pay for personal income tax. One to U.S. Treasury and one to XXXX XXXX XXXX. I mailed both checks to the respective institutions. Apparently, between the time the envelopes left my possession, they were stolen by someone and cashed at Chase Bank, the institution that I bank with. I received notice from the IRS that I still owed money in XXXX XXXX. The XXXX checks in question were written and cashed by Chase in XXXX XXXX. I filed a claim with Chase due to the fraudulent cashing of these XXXX checks. Chase has denied my claim because I did not report the claim within their policy of 60 days to report a claim from the date the check was written even though it was XXXX of their employees who cashed the government checks. Moreover, it is Chase policy to not cash checks written to businesses or non personal checks. This is being overlooked by Chase in my attempt to recover the stolen money from my account.
Consumer complaint received 2023-09-13
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. (MI)

There are three ( 3 ) private student loan accounts on my credit report that I have tried to have corrected with XXXX, Experian, XXXX in the past. The account/tradelines show payments past-due since XXXX XXXX XXXX by 120 days to 180 days. This is impossible because the accounts are in deferment and/or forbearance. I provided the communications between the lender and myself, yet the CRAs have continued to report the accounts with delinquent payment history. A statement from the lender, dated XXXX XX/XX/2023, is attached. The statement notifies me of forbearance and/or deferment approval and status.
Consumer complaint received 2023-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2023 an ACH was on my bank statement deducting {$3600.00} from my account. In the 20 years that I have had this account I have never had an ACH transaction. I did not even know what it was.
Consumer complaint received 2024-03-27
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. (IL)

These inquiries were unauthorized and I'm a victim of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-03
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. (IL)

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.

has violated my rights. Or list of inquiries 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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I sent trans union a letter bureau to investigate every piece of information on the account I have listed blew, Also I have attached the letter I sent out. According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a customers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the customer reported on or with other with he is acquainted or who may have knowledge concerning any such items or information. The credit bureau stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting 100 % accurate, and according to the FRCA 15 1681 everything has to be 100 % accurate.I have the credit report showing the inaccuracies. This is ground for remove able. The credit bureaus stated. my accounts was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate and dates last reported is not accurate. They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction.XXXX  account number XXXX and XXXX XXXX account number XXXX was deleted from my XXXX credit report but not transunion credit report how is that possible.
Consumer complaint received 2023-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I am filing a complaint about Paypal 's negligence in managing a series of fraudulent transactions. 

For background, I have my XXXX checking account linked to my Paypal account, and XXXX fraudulent transactions were made out of my Paypal account, and credited to a bank account at XXXX ( account ending in XXXX ). 

Transaction XXXX ) XX/XX/XXXX -- debit out of my Paypal for {$130.00} > into XXXX ( account ending in XXXX ). 

Transaction XXXX ) XX/XX/XXXX -- debit out of my Paypal for {$200.00} > into XXXX ( account ending in XXXX ). 

Transaction XXXX ) XXXX parts -- Part XXXX on XX/XX/XXXX ) Debit out of my XXXX securities account for {$500.00} > into my Paypal account ( credited XX/XX/XXXX ). Part XXXX on XX/XX/XXXX ) Debit out of my paypal for {$500.00} > into XXXX ( account ending in XXXX ) ... .to be credited XX/XX/XXXX. I even told them on XX/XX/XXXX that the " fraudster/originator '' has already debited fraudulently twice before and they will certainly try to transfer the {$500.00} as soon as it comes in and to PLEASE STOP ALL PAYMENTS OUT OF MY ACCOUNT. And they told me " well, sir, you could transfer those funds back to XXXX before the fraudster does '' ... .and then recommended I setup XXXX authentication. They didn't understand that whoever this fraudster is has access been able to transfer funds out EVEN after I change my password, which means they have hacked my phone. It's the only way someone would be able to debit an account that way. 

I called XXXX so they could stop the payment ( and reverse the original XXXX payments ) and they said they could not help me because they would need the originator 's information ( bank account number full XXXX digits not just the last XXXX ). Paypal will not give me the information I already asked for. 

I also called XXXX and they washed their hands of any responsibility. I asked them to recall the funds with a letter of indemnity and they told me Paypal has to initiate any fraud investigation and resolve it. 

I then called PayPal XXXX to ask why they let another debit go out and to stop the payment ... and they said they couldn't. I asked ( via their message center on the PayPal app ) for them to claw back all three transactions, otherwise to give me the transaction information including bank account information so I can send it to XXXX, but have not responded to me with any information I requested and have not reached out to any of the other institutions to try to resolve the issue. They haven't even called me back to follow up on the matter, and have not responded to the messages I've sent through their message center. 

As of right now, there is a total of {$830.00} being fraudulently held at XXXX and no one is helping me. It's why I filed this complaint.
Consumer complaint received 2024-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (GA)

In XXXX, I requested a credit report. When I received the report, I noticed credit inquires for XXXX, American Express and XXXX falsely in my name. I have never requested any cards or products if XXXX, American Express or XXXX. Ive contacted XXXX and Ive followed through with the process. 

Currently it is XXXX, and the inquires or request for these cards are still on my credit report. Divulging deeper, I took into account a specific address XXXX, GA address that appeared on the XXXX and XXXX credit report. That address does not belong to me. Recently XX/XX/XXXX an associate from XXXX expressed to me that the XXXX, GA address has been flagged in various fraud cases. 

Another case of XXXX, is from the company XXXX XXXX in which I have no association with and do not recognize. Ive noticed an approximate {$500.00} loan was applied for. Again, this is not my identity. Also noticed that no payment has ever occurred. 

I REACHED OUT TO XXXX AND THEY STATED THEY DO NOT HAVE ME ON RECORD, but the dispute was returned as stay the same.. which gives untruthfulness. 

As mentioned before I did not apply for any products/ services from these companies/banks ( XXXX, XXXX XXXX or AMERICAN EXPRESS ) in the last 2-3 years. It is fraud. Please remove.
Consumer complaint received 2023-12-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recovery Associates has not responded to the Affidavit of Truth that I mailed off to them on XX/XX/. An affidavit stands as truth in commerce when unrebutted. PRA will not even acknowledge that I sent one to them in which I know they won't attempt to answer it because they will be liable if they did in fact lie. This will be used against them if I have to take legal action against them. I have provided proof with receipts that I will attach. PRA is not even licensed to collect in Tennessee. I never did business with any business in XXXX Virginia. I never signed any contractual agreement with Portfolio Recovery Associates. They have no business using my name as a natural living breathing person. This debt does not belong to me. Portfolio Recovery Associates made a false statement saying they have no record of a request from me prior to their initial communication. I have receipts and proof that the statement they made is a false one. Portfolio Recovery Associates did not answer the questions within my Debt Validation Letter that I drafted and sent to them on XX/XX/. They received that letter on XX/XX/. They sent me statements AFTER I filed with the CFPB instead as if that response justifies them collecting the debt. Portfolio Recovery Associates is required as part of the debt validation period to cease all collection activities for 30 days. That includes removing the alleged account off of my credit reports while they are validating the alleged debt because it reflects that they are still collecting the debt in question in collections. They did not cease all collection activity. PRA has violated the Fair Debt Collection Practices Act. I have proof that the account was still posted even during the validation period.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit report is missing this account from each credit reporting bureau. I request that the account be reinserted immediately, XXXX : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX Updated Balance : XXXX TransUnion : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX Updated Balance : XXXX  XXXX  XXXX XXXX XXXX XXXX Account # XXXX Original Balance : XXXX  Status : Paid/closed ( XX/XX/XXXX ) XXXX : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX XXXX XXXX : XXXX Updated Balance : XXXX