davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I was scammed by someone stating that I owed money for missing a court date to the XXXX Police Department on Sunday, XX/XX/XXXX. I sent the money through PayPal to a XXXX XXXX for {$720.00} plus a {$21.00} PayPal service fee for an amount totaling {$740.00}. I was told to meet with someone at the XXXX Police Department later that afternoon. When I got to the police department, I was told by someone who worked there that the person I spoke to on the phone was using the name of someone who used to work at the department and that it was a scam. I filed a report with the XXXX Police Department and was told to also file a report with the police department where I lived, the XXXX XXXX Police Department. I filed a report with the XXXX XXXX Police Department on XXXX, XX/XX/XXXX -- the following report is attached. The case number with the XXXX Bank is # XXXX. 

I received a credit from my bank for the amount taken ( {$740.00} ) shortly after the incident and those involved at the bank said they were going to look into the case. The case was denied on XXXX XXXXXX/XX/2023 and the funds were taken back. The case was then reopened on Friday, XXXX XXXX because XXXX Bank and PayPal did not have the actual police report from the XXXX XXXX Police Department beforehand. Following this, I was told from representatives at XXXX Bank that I needed to get something in writing from PayPal stating that they would approve a credit for the funds, which they never provided. I was told when I called PayPal that since the bank was handling the case now, there was nothing further they could do. A representative at XXXX Bank stated on XXXX XXXX XXXX that if a document of any kind ( email, written document, etc. ) is provided at some point from PayPal stating they approve a credit for the amount taken, they could approve giving back the funds. I am not sure why Paypal can not provide this information and if this is not resolved, further legal action is going to be taken. 

I will note that there is a supplement to the original police report from the XXXX XXXX Police Department since the first report did not have the correct amount taken. The supplemental report was taken down on XXXX, XXXX XXXX -- the following document is also attached.
Consumer complaint received 2024-06-11
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. (FL)

Subject : Complaint Against Credit Bureaus for Not Removing XXXX Account from Credit Report Dear Sir/Madam , I am writing to formally lodge a complaint against the major credit bureaus for failing to remove a XXXX account from my credit report despite multiple disputes and clear evidence supporting my claim. This unresolved issue is severely impacting my creditworthiness and causing undue stress. 

Details of the Complaint : Account Information : Creditor : XXXX  Debt Collector : XXXX XXXX XXXX Background : XXXX sold the aforementioned debt to XXXX XXXX XXXX. 
I paid the debt in full to XXXX XXXX XXXX. 
XXXX XXXX XXXX confirmed that they did not report the debt to any credit bureaus and assured me that they would ensure the removal of any related XXXX account entries from my credit report. 

Issues with XXXX XXXX : XXXX is still reporting the account as " potentially negative '' on my credit report. 
The report contains incorrect and incomplete information, including but not limited to : Improper payment history Incorrect date of settlement Missing details regarding the date of debt transfer and the recipient of the debt Lack of debt validation despite numerous requests Violations of Federal Law : The continued inaccurate reporting by the credit bureaus and Discover is in violation of several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S. Code 1681i - Procedure in case of disputed accuracy : The credit bureaus have failed to conduct a reasonable investigation into my disputes, as required by law.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies : XXXX, as the furnisher of the information, is obligated to report accurate information and correct any errors in a timely manner. They have failed to meet this responsibility. 
15 U.S. Code 1681e ( b ) - Accuracy of report : Credit bureaus are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They have not adhered to this requirement.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (DE)

I have 2 fraudulent inquires with XXXX XXXXXXXX XXXX and U.S BANK that are reporting to my credit profile. I believe I am a victim of identity theft. On XX/XX/XXXX XXXX XXXX someone applied for two credit cards in my name that I did not authorize. To be clear those inquires are with XXXX XXXX and U.S BANK. I know for a fact it is fraudulent because the information attached to the inquiry is incorrect. The address and the phone number are both incorrect!! This is negatively affecting my credit score because I am trying to get a new car and new house and banks see these new fraudulent inquiries reporting to my credit profile which can get me denied. I need these fraudulent inquires removed immediately. It is illegal to report false information to my credit report!! Please contact me back as soon as possible with these inquiries removed off my credit report!! Thank you!! My email is XXXX XXXX
Consumer complaint received 2023-08-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX creditor : I tried disputing this many times with Experian. The only XXXX that I have ever had was prior 2014 Bankruptcy that has been XXXX for more than XXXX yrs. When I contact XXXX I can't get anyone to provide me with information regarding these XXXX accounts like the items purchased or the address shipped to. I have been disputing this with Experian and it is still appearing on my credit report.
Consumer complaint received 2023-08-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TN)

Hello, I was a victim of identity theft, and my credit report has fraudulent accounts and inquiries due to this. I mailed a dispute to Experian, XXXX and XXXX on XX/XX/XXXX. I included my driver license, social security card, proof of residence, identity theft report ( XXXX ) and XXXX letter. Experian, XXXX and XXXX require this information to remove fraudulent items from your credit report. Experian, XXXX and XXXX have failed to remove the following account XXXX XXXX XXXX opened XXXX of XXXX. I'm asking each aforementioned credit bureau to remove this fraudulent item from my credit report immediately.
Consumer complaint received 2024-04-25
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 2024-07-30
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. (IN)

Subject : Defamation of Character - Request for Correction of Credit Report Dear Sir/Madam , I am writing to formally request the correction of false and defamatory information that has been included in my credit report, which is under my name and associated with my Social Security number . This incorrect information is negatively impacting my reputation and has caused me significant distress. 

Specifically, the issue involving lowing my credit score. This information reported violated my rights as a consumer reason why I had it removed from my report. 

I respectfully request that TransUnion immediately investigate this matter and correct the inaccurate information from my credit report. I also request that you notify any third parties who have received this incorrect information about the necessary corrections. My right to privacy according to FCRA was violated as well which has caused distress and harm to my name. 

Please confirm in writing that you have received this and that you are taking the necessary actions to resolve this matter. I look forward to your prompt response.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I've consistently made sure payments on this account are on time, never allowing them to become overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (GA)

I filed a claim with Regions Bank last month about some transactions that I am not familiar with.

Regulation E requires financial institutions to investigate and resolve errors in a timely manner, it also outline general timeframes, and the institution must generally complete its investigation within 10 business days of receiving notice of the error. If more time is needed, it can take up to 45 days, but the consumer must be provided with provisional credit during this period.

Although 10 business days have passed, Regions Bank has failed to credit my checking account ending in 0241. They are now in violation of 12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ). I have been patient which Regions Bank, but they are required to operate in compliance to 12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ) when handling a consumers funds.
Consumer complaint received 2023-12-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (NJ)

I moved out Apartment in XXXX they sent me a bill I owe them this amount of {$1000.00} and I owed XXXX XXXXXXXX XXXX XXXX deposit Originally {$300.00} in Which i paid in XXXX.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

Ensuring timely payments on this account has always been my priority, never allowing them to become overdue. I am unsure why there are reports of late payment remarks on my accounts. Based on 15 USC 1666b - Billing Error should be corrected.
Consumer complaint received 2024-02-28
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. (AZ)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Back in XX/XX/2023 a representative called me to make a payment on my credit card. They asked me if I wanted to sign up for automatic payments & have a cheaper payment ( who wouldnt want a cheaper payment ) & make a payment for that month. The representative set up automatic payments but never made that payment as agreed. This closed out all the rest of my credit cards. Ive never had a late payment on anything on my credit in my life besides this situation with XXXX XXXX XXXXXXXX. So disappointed.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (VA)

On XX/XX/2023 I spoke with a XXXX XXXX XXXX XXXX employer and requested a wet signature and original contract to verify account. Without doing so should result in deletion on credit profile. I see it still on credit profile and its been longer than 30 days since I spoke to representative
Consumer complaint received 2024-05-11
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. (GA)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 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: Experian Information Solutions Inc. (NM)

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 2023-08-25
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)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX 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 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a member of XXXX  and they continue to show me reasons why I should leave. In late late last year, I took out two small loans. The were both paid on time and paid off. They were paid off in XXXX of this year. To date, they both still are reporting inaccuracy on my credit report, as open trade lines, which they are not. I have called the XXXX XXXX, 5 times trying to resolve this but I simply get nowhere.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-15
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. (NC)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2023-12-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

I was a victim of a fraud in 2020, and at that time I had a checking account with chase, a job that I found online and it was not a legit company they gave me XXXX fraudulent checks and I was not event aware of that. In regards to the payment of the checks, I had resolved it, and chase still not allowed me to open a new checking account from any banks, I had been rejected from XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2023-08-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Please be advised that this is my THIRD WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of XXXX U.S.C. 1681 The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your tirst investigation, you stated in writing that you " verified '' that these items are being " reported correctly '' Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Also, why did you not send me copies of the vertication like I asked?

As I am sure vou are well aware. current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a " Reinvestigation that merely shifts the burden back to the consumer and the credit arantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ).

You have NOT provided me a cooy of ANY original documentation required under Section 609 ( a ) ( 1 ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the -CRA - you are required to " promptly DELETE all information which can not be verified. '' The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or deleted immediately.