davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
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. (MS)

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXXXXXX Balance : {$33000.00}, XXXX XXXX XXXXXXXX Balance : {$1700.00}, XXXX XXXX XXXXXXXX Balance : {$5300.00}XXXX XXXX XXXX XXXXXXXX Balance : {$6000.00}
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

To Whom it may Concern, This is this complaint is submitted Under OHIO LAWU.C.C1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here 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
Consumer complaint received 2023-04-28
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. (FL)

Im submitting this CFPB Complaiont to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The item in question are as follows : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$590.00XXXX XXXX XXXX Balance XXXX {$770.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (GU)

SYNC/WALMART Account was directly disputed for incorrect information ( synchrony ). It was " resolved '' by further inaccurate reporting to credit bureaus, re-aging account on XXXX  ( account was closed XX/XX/XXXX ) and showing payments and delinquent payments all the way to XX/XX/XXXX. Old delinquent payments were, in effect, pushed forward making it appear that delinquent payments were made in XXXX and XXXX, decreasing my credit score. XXXX, XXXX  and XXXX are not matching information.
Consumer complaint received 2023-04-28
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. (MS)

This is 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 items 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 items : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX. XXXX  XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00}. XXXX XXXX XXXX XXXX : {$580.00}. XXXX XXXX XXXX : {$34000.00}. XXXX XXXX : {$1400.00}. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX Balance : {$2900.00}. ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00}. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
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. (NJ)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX  accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX XXXX accurate.
Consumer complaint received 2024-05-30
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. (NY)

I am writing to inform you that I have been a victim of identity theft. This letter serves as a formal dispute regarding this account. I have reached out to each company directly and was advised to follow these steps to resolve the issue. I have filed a report with the FTC and contacted all relevant companies. Now, I am disputing the information associated with the fraudulent account. I kindly request your assistance in resolving this matter. XXXX XXXX
Consumer complaint received 2024-02-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BTH Management (TN)

I have reported and been working with the federal trade for identity theft. This debt originated from XXXX XXXX XXXX it states however plaza services took over and now XXXXXXXX XXXX XXXXXXXX. I do not know who opened this account when or why it was opened. Also it is under the last name XXXX which I have not had since XXXX. I have contacted XXXX XXXX XXXX, they state that its handed off to plaza services llc. I contacted plaza services llc they diverted me to XXXXXXXX XXXX XXXXXXXX which I asked to provide all documentation on this account and they were hateful and failed to do so. Now I have been served a civil warrant which I am XXXX!
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Equifax I see that you verified the account listed below XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX XXXX Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX XXXX Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX XXXX XXXX Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX XXXX XXXX  : Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to.

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, XXXX XXXX, has violated my rights. 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 an account without my written instructions. This account is a fraudulent account, I do not owe this company and I have never signed any contract with them.
Consumer complaint received 2019-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OK)

Hello, I received a call from Enhanced Recover Company. The young lady stated they were collecting on an XXXX bill from XXXX in the amount of {$190.00}. She reference my mothers address and that is the address i no longer reside at. I advised i cant remember that far back and advised i don't recall ever having XXXX Service at All. She started asking me question about fraud and if anyone has opened any accounts in my names. I asked her to send me a debt validation letter which i received on XX/XX/XXXX. The only thing that was on the letter was the creditor name last 4 of account number that all. Their was no phone number no list of charges or any plan information that would identify the account was mines at. I don't recognize this account and indeed why would i get a call almost 7 years later about this matter?
Consumer complaint received 2023-12-06
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. (SC)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-04-28
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. (SC)

This is my third 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 alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX, SC XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX : {$7900.00}
Consumer complaint received 2023-12-28
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. (MO)

Experian emailed me this and there is a XXXX number they provided that says FOR A FASTER CALL THIS NUMBER well call that number and you get a customer service rep that can't speak XXXX and all they want is your social security number and then they tell you there is nothing they can do because they don't have access to fix anything SO IF THEY CANT FIX ANYTHING WHY DO THEY NEED YOUR SOCIAL SECURITY NUMBER. FRAUD FRAUD SCAM SCAM
Consumer complaint received 2023-04-28
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. (FL)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX has violated my rights. 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 that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. 15 U.S.C 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 15 U.S.C 1692 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2024-08-06
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. (NY)

I filed a dispute for incorrect information on mycredit report. I received an email from the creditbureau stating that they are assuming thedisputes are coming from a 3rd party. They in factdid not come from a 3rd party. l even called themto verify it was me and they still refused toprocess my disputes. I wasted money on mailingmy disputes out. I sent personal information toverify my identity through mail, just for them to notthoroughly investigate.
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Paypal Holdings, Inc (HI)

On XX/XX/XXXX I submitted a payment to XXXX XXXX ( Paypal Credit ) using the full amount of my Paypal balance to make the payment. On XX/XX/XXXX I got notification that the payment had been reversed and then received a 2nd email stating the payment had been applied to my account, and I made a 2nd payment of {$200.00} directly from my bank account to my Paypal Credit Card. XXXX XXXX reversed the payment and applied a late fee of {$40.00} to my account. On XX/XX/XXXX I submitted a complaint to the CFPB. On XX/XX/XXXX, my Paypal account was restricted for " questionable activity '' on my account, but the only activity on my account has been the payment, the reversal, and the 2nd payment on my account. The " additional information '' requested to unlock my account was a copy of my ID by PDF or JPG, but the system would not allow me to upload a JPG, it produces an error that says " must be pdf or jpg. '' The system only accepts PDFs. I have submitted that information and filed another complaint with the CFPB. As of today, XX/XX/XXXX, my account is still restricted. Money can go into my Paypal account but I can not withdraw the {$71.00} remaining on my account nor can I make payments to my Paypal Credit card using that Paypal balance. I have paid the {$2100.00} balance on my Paypal Credit card and requested my account be closed with a text confirmation, I have not received that confirmation.
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

XX/XX/XXXX - My bank sent the full payment due {$2600.00} ( full statement balance ). 
XX/XX/XXXX- Payment received and the due date by Citibank Best Buy XX/XX/XXXX - called to validate payment. they claim they did not receive. said I have until XXXX and not late fees or interest. It may take 7-10 business days. 
XXXX - called and spoke to XXXX in the XXXX. He said that it may take XXXX business days. He confirmed that he would credit back the {$29.00} late fee. He did not and lied to me. He said that by Monday XXXX it would be resovled. 
XXXX - got a call from Citibank from XXXX. I thought that she was calling to validate our discussions on Friday XXXX with XXXX. She had NO record of any of the notes ( per above ) and she calling to COLLECT as I was late .... really? Ended up paying {$110.00} via bank ACH to resolve while I called my bank to put a stop to the check sent. 
XXXX - call my bank to put a stop payment on check. They indicated it would put a stop on it right away. 
XXXX - called back to Citibank and paid the full remaining balance ( less late fee and interest ) - which came to {$2500.00}. Paid this via ACH. 
XXXX - My bank sent notice that XXXX cashed the original check ( {$2600.00} ) -- -- WOW. They posted the date as XXXX - interesting right!! 
XXXX - called Citibank and spoke to XXXX XXXX who was very helpful ). She said, yes, they owe me a credit now. Request ACH deposit back to my bank- NO can not do. Requested PRIORITY mailing of my refund. She said she would request but it is not in her control. Asked to speak to manager. Got XXXX. Advised him that they have no controls there. Something needs to change. I have had the card since XXXX and never had an issue in making payments. 
XX/XX/XXXX - Still no check. No follow-up on check. My account showed {$0.00} balance and check was credited on XXXX. Called back. Luckily got XXXX again. He said check was cut on XX/XX/XXXX and sent. It will take until XX/XX/XXXX to get it. Well XX/XX/XXXX is a holiday. No tracking number. No verification that I will get it. So, recheck on XX/XX/XXXX. 

This is deceptive practices. This company needs oversight and an investigation. I have impeccable credit. I sent HOURS working with them to resolve and they have no regard for the customer no really care. They take and hold your money with no regard to get it back to you timely.
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (TN)

I requested a credit line increase online. At no time did it say there would be a hard inquiry made on my credit report. I would not have approved that. Barclays refuses to produce any documentation I approved a hard inquiry on my credit report.