davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

I have sent multiple requests to have all NONE ACCOUNT HOLDING INQUIRIES taken off of my credit report, to XXXX XXXX and Experian. These have been in separate letters roughly every 30 -45 days dating as far back as XXXX XXXX. I have not received any sort of confirmation that this has been taken care of, and they refuse to give my any kind of explanation as to why I have over XXXX inquiries on my report and yet i only have very few accounts open. I do believe it is my right to have only an accurate description of my character displayed on my credit report and by these excessive inquiries, it hinders me from being able to obtain not only personal credit, but credit for my business and livelihood as well. I will supply you with all of the inquiries that are NONE ACCOUNT HOLDING below. Please let me know what can be done in regards to this. Again i have made several attempts to work with the credit reporting agencies and have them remove these, and they have made no attempts to comply with my request or even acknowledge my requests. Iquiries and dates : XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX 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 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 XXXXXXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 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 XXXXXXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX As you can clearly see, there is an excessive amount of inquiries that are none account holding, these are damaging my credit report and the Credit Reporting Agencies REFUSE to remove them. This is a violation of my rights and I demand they be removed from my credit file or in accordance to the FCRA i will file a motion for damages. Thank you for your help.
Consumer complaint received 2023-11-18
Product: Credit 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: GOLDEN 1 CREDIT UNION, THE (CA)

On XX/XX/2023 I got a credit card charge for XXXX XXXX XXXX XXXX XXXX in XXXX Ca for {$15.00}, on this day I was not in XXXX as I live in XXXX XXXX. 
On XX/XX/2023 there was another charge at a XXXX for {$130.00} On XX/XX/2023 there was a charge again at a XXXX for {$41.00} On XX/XX/2023 there was another charge at a XXXX XXXX for {$110.00} I contacted Golden One to inform them that these charges were not me and I wanted to file a credit card theft claim, they filed the claim and said they would open an investigation. 
As I was recently looking at my credit card statement I see the reversed the money they put into my account and took it back. 
I called and spoke to two customer service agents, the first one told me that I was basically out of luck because they claim my chip in my card was used and since the card was still in my possession that they do not believe it is fraud. This however again is impossible as I was not in XXXX on these dates I was in XXXX XXXX using my Debit card. 
Golden one rep said he would request for my case to be reopened, but due to it being a weekend I could not speak to someone in their fraud department.
Consumer complaint received 2024-07-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TX)

I have noticed a new collection on my credit reports and have requested information regarding the validity and verification of this alleged debt. I have disputed this with bureaus to which the bureaus simply reply that debt has been verified. I have received NO WRITTEN NOTICE at any moment and no verification on this alleged debt. Please DELETE from my credit report. This is not the first time that credit bureaus negligently verify debt without a fair and clear investigation.
Consumer complaint received 2024-05-17
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. (TN)

My recently updated personal credit report still contains some unauthorized inquiries. I have already contacted the companies and requested the removal of their credit inquiries from my profile. I once again request that you initiate a removal into the inquiries listed below. Since my allegations confirmed, please remove these inquiries and send me an updated copy of my credit report to the address provided : EXPERIAN : XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -- -- -- -- -XXXX  : XXXX XX/XX/XXXX XXXX XX/XX/XXXX. This complaint serves as a notification that if you do not remove the listed items from my report, I will be filing a lawsuit. I have informed my attorney of my intentions, and they are prepared to hold you accountable for any willful noncompliance. This is my final notice. Please remove the items resulting from incorrect reporting.
Consumer complaint received 2024-07-09
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: Experian Information Solutions Inc. (VA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

I am writing to express my deep concern regarding the permanent limitation imposed on my PayPal account on XXXX XXXX and Have a balance of XXXX dollars. This marks the fourth instance where I have been forced to resolve issues related to my account, despite my consistent efforts to comply with all requested actions. 

Upon the request, I promptly uploaded the required documents such as my ID and linked a verified bank account and Visa card, all of which are legitimate and in good standing. However, following these uploads, my account was swiftly banned, which I find to be an unfair decision considering my status as a legitimate seller.

I urge to conduct a thorough and fair review of my PayPal account. As a legitimate seller, I believe I have adhered to all guidelines and requirements set forth by PayPal. I trust that you will rectify this situation promptly and restore access to my account. Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Paypal Reference ID : XXXX
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I logged on to Transunion to get a free credit report, like I did with XXXX, but Transunion charged me {$26.00} for a credit monitoring service I did not apply or register for. When I called Transunion to ask why I received an email saying I joined, they were not sympathetic to my problem and said that I must have signed up without knowing. He also said that many people make the same mistake. When I told him I never entered this agreement, he was hostile about my request to cancel it. The Transunion rep stopped the auto payment but didn't cancel the initial {$26.00} I never asked for in the first place.
Consumer complaint received 2024-05-17
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-17
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

HELLO XXXX XXXX XXXX XXXX, I WANT TO REPORT THAT PAYPAL COMPANY TOOK MY MONEY WITHOUT ANY REASON AND THEY KEEP TELLING THAT I VIOLATE THERE POLICY EVEN THOUGH I DIDNT EVEN VIOLATE IT THEY TOOK MY MONEY LAST XX/XX/year> WORTH AMOUNT PAYPAL STEALS ON MY ACCOUNT IS XXXX THEY CONVERT IT TO USD IM FROM XXXX IM WONDERING WHY THEY TOOK IT THEY ARE FROM XXXX PLEASE I NEED ACTION ON THIS BECAUSE THIS MONEY IS FOR MY MOTHERS MEDICATION THEY SAID THEY WILL ON HOLD IT 180 DAYS AND AFTER 180 DAYS I CAN GET MY FUNDS BUT BEFORE 180 DAYS LAST XXXX THEY TOOK IT WITHOUT EMAILING OR MESSAGING ME PLEASE HELP IM BEGGING THANK YOU Transaction ID : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Amount Paypal took to my account : XXXX XXXX
Consumer complaint received 2024-05-17
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. (CA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-05-18
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. (NY)

I reviewed my consumer reports and noticed that XXXX XXXX Account XXXX XXXX had 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 with maximum accuracy.I have never been late on payments for the account that i have included in the screenshot inside this complaint in on the date of XX/XX/scrub>XXXX And XXXXPlease investigate and provide proof with statement showing that this payment was late.If proof can't be provided I demand this payment be updated to paid as agreed on time as they should be due to the fact i was never late.Thanks! Please see screenshot attached :
Consumer complaint received 2024-05-17
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've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-05-18
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. (FL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (GA)

They have frozen my account and will not allow me to access my money, I submitted my Id like they asked, they told me that they werent sure why my account was flagged cause they didnt see a reason for it but it was flagged and they refuse to allow me to access my money. I just recently had a XXXX and am suing for medical malpractice and that is where my funds in this account came from
Consumer complaint received 2024-05-17
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-18
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXXXXXX XXXXBalance : {$7300.00} XXXX XXXX {$13000.00} XXXX XXXXXXXXBalance : {$1200.00} XXXX XXXX XXXXBalance : {$300.00} XXXX XXXX XXXX XXXXBalance : {$520.00} XXXXXXXX XXXXXXXX Balance {$5900.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$310.00} XXXX XXXX XXXX XXXXXXXX Balance {$2200.00} XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

Starting XX/XX/XXXX XXXX XXXX has been reporting that I am delinquent on my car loan. When I call XXXX they say they will send a letter to the credit agencies showing I am not delinquent. Each time I call they confirm I am not delinquent and they dont know how that happened. As of XX/XX/XXXX it is still reporting that I am delinquent and XXXX says it is no longer their responsibility because they sent a letter
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-11-03
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, I have several unauthorized and fraudulent inquiries reporting on my consumer report and I am being heavily affected by them. These inquiries were made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never authorized any of these companies to view my consumer report. Not only is this a breach of privacy but your company is also in direct violation of the FCRA. I am requesting you validate and verify these inquiries by providing me with a contract bearing my signature that authorized all inquiries. 

If this documentation is not provided to me within 30 days these inquiries must be removed immediately, if you fail to do so you are willfully in non-compliance by continuing to engage in fraudulent practices. Furthermore, you are in violation of the FCRA. 

Thank you for your attention in this matter, XXXXXXXX XXXX XXXX Without prejudice, All Natural Rights Reserved
Consumer complaint received 2024-06-08
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: Experian Information Solutions Inc. (CA)

I am XXXX XXXX, a natural person and this is me physically sending this dispute. 
I am writing to dispute the recent hard inquiry placed on my consumer report by your agency, as it violates several provisions of federal law. 

INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian is in violation of consumer rights laws by using false, misleading, and deceptive means. By furnishing these accounts to consumer reporting agencies without providing the required disclosures, you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I hereby request that you remove the hard inquiry from my consumer report immediately and provide me with the necessary validation information as required by law. Failure to do so may result in further action to protect my consumer rights.
Consumer complaint received 2024-05-17
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. (CA)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Consumer complaint received 2024-05-17
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. (GA)

I

n 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. Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a 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.