davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 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 these places has violated my rights, 15 USC 1681 section 602 A states i have the right to privacy. 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c section 604 ( A ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 2024-04-26
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)

I have always made sure that payments on this account are made on time, never allowing them to become overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. Corrections should be made according to 15 USC 1666b - Billing Error.
Consumer complaint received 2024-06-20
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 (NY)

I am a XXXX XXXX XXXX in XXXX. As part of my work, I get a payment from the regulating authority, called XXXX XXXX XXXX XXXX because XXXX XXXX a XXXX XXXX XXXX. This fund that sends me payments is called the XXXX XXXX XXXX. I have been getting my payments with no issue from the XXXX XXXX for years. Last year the XXXX in XXXX of XXXX switched how XXXX would get this money from XXXX XXXX XXXXXXXX to PaypalXXXX XXXX would use paypal to distribute money, instead of a prepaid card. So these payments would now go into a Paypal account and then I can transfer this money to my account. I was getting my payments with no issue until XXXX of XXXX. I had accumulated {$1000.00} from XXXX payments, which can be shown in my transaction history on Paypal. Then in XXXX, Paypal issued a correction, and withdrew {$1000.00} from my account. Since XXXX I have been calling Paypal incessantly to ask why this happened. Paypal customer services say they do not know anything about what happened. I asked what does Correction mean, as this is stated in the transaction. I am told that they don't know what correction means. I ask Where is my money? They say they do not know. Then they say that XXXX XXXX XXXX instructed them to send it back to them, but this does not make sense as I have been getting payments since XXXX of XXXX, and these payments come from XXXX. I called XXXX XXXX XXXX and they have no clue what is going on. Then Paypal said that XXXX knows where the money is and I should ask XXXX. I received a response from XXXX  that XXXX does not have the ability to remove funds from my Paypal account, and as XXXX uses Paypal to distribute payments, the issue is with Paypal. I called back to Paypal so I can get an email to correspond with someone about this issue and I was told that they do not correspond thru writing and emails with private people about concerns. Then the fourth excuse they made was that they sent the money to the NY State Comptrollers office as unclaimed money which makes no sense. I went to them and I had no money there. I have been calling them on a daily basis, and their official stance now is that they do not know anything about this money and they do not know where it is. So they came up with 4 different excuses and now they say this. On one of my calls, I did speak to someone who told me off the record that someone on Paypal 's end took this money, and did not elaborate further. I just want my money that I worked for. Paypal is stonewalling and basically saying they have no clue what happened, but how is this possible. Money was in my paypal account, paypal took this money out as a correction and now I do not have my money. I am attaching screenshots of my transaction history and correspondence with the XXXX
Consumer complaint received 2024-04-26
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. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc (GA)

I am filing this complaint to formally request the removal of a collection account from my credit report, which has been placed by Stuart-Lippman and Associates , Inc . The basis of my complaint is that Stuart-Lippman and Associates , Inc is not licensed and bonded to collect debts in the state of Georgia, where I reside.

According to Georgia state law, debt collectors must be properly licensed and bonded to engage in debt collection activities. Stuart-Lippman and Associates , Inc has failed to meet this requirement. As such, any attempt by them to collect a debt from me is unlawful and in violation of state regulations. 

I did not authorize Stuart-Lippman and Associates , Inc to use my personal information for debt collection purposes. Their lack of proper licensing and bonding further compounds the illegality of their actions. Moreover, their failure to respond to my cease and desist letter underscores their disregard for consumer rights and legal obligations.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

While on vacation in XXXX and returning back, my fianc ( XXXX XXXX ) and I noticed two charges at XXXX XXXX using his debit card but we were not even in town to make any local purchases. Once we landed from the airport, I contacted my bank and which they told me they would investigate at the time the charges were still pending, but were used on the debit card I had in hand ( not missing ).

We later received a letter, no other contact by phone, email or even on the Wells Fargo App. The letter said based on the information available to them, they found the transactions were authorized and not processed an error, and they were closing the claim. I immediately contacted Wells Fargo back to tell them these in fact were not authorized charges, that as mentioned when I processed the claim we were not even in town to purchase in store purchases at XXXX XXXX in XXXX XXXX, which is where the charges took place. We immediately asked for the debit card to be closed ( even though we had it in hand ). The supervisor that I finally got on the phone told me that there was nothing further they could do for me, so I asked them to send me documentation of this authorization. The supervisor agreed but told me it would be 30 days and there was no way of expediting. The proof to me is Flabbergasting considering I contacted them immediately when this fraud took place and no actions were taken. The charges went through on XX/XX/XXXX and XX/XX/XXXX of 2024 and I am still waiting on proof and it is now XX/XX/XXXX. 
On XX/XX/XXXX {$500.00} was charged and on XX/XX/XXXX {$530.00}
Consumer complaint received 2024-09-11
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. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the

efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am filing this complaint against TransUnion, XXXX XXXX XXXX, and accounts connected to XXXX and XXXX, which I do not recognize. These accounts are potentially fraudulent and were improperly re-added to my credit report without providing me the necessary documentation to investigate or validate the legitimacy of the charges. 

Here are the key issues : 1. Re-addition and Re-aging of Fraudulent Accounts : TransUnion allowed XXXX XXXX to re-add previously disputed and deleted accounts related to XXXX and XXXX. These accounts were previously removed due to a lack of validation. I have provided evidence of potential fraud, but they were still re-added without a proper investigation or verification of my disputes. Additionally, the accounts have been re-aged, which violates the Fair Credit Reporting Act ( FCRA ). 



2. Negligence in Addressing Identity Theft and Medical Incapacitation : I filed an FTC Identity Theft Report and provided proof of my medical incapacitation ( including a hospice certification ). During this period, numerous individuals had access to my devices and personal information, making it impossible for me to monitor accounts. Despite this, the creditors and TransUnion ignored my incapacitation and the identity theft report and closed the case without addressing the fraud or providing any documentation to help me investigate what could have happened. 



3. Failure to Provide Transaction History : I have repeatedly requested full transaction histories for these accounts, including merchant details, dates, and authorization records. This documentation is necessary to determine whether the accounts are legitimate and meet the standards for filing a police report for identity theft. Instead of providing the necessary records, XXXX XXXX continues to send incomplete validation documents that only include the account balance, which proves nothing. Without seeing transaction-level data, there is no way to verify who made these charges. 



4. Exploitation of My Vulnerable Status : I am currently judgment proof following bankruptcy, and my ongoing health issues make it difficult for me to engage in lengthy disputes. XXXX XXXX, XXXX, and XXXX are exploiting my vulnerable status by failing to provide documentation that would allow me to investigate potential fraud. They have been provided with ample proof of my situation but continue to ignore the requests for transaction histories. 



5. Continued Violations of the FCRA : XXXX XXXX is engaging in delete and re-add practices and manipulating balances and account dates without explanation. This violates the FCRA as they are re-aging the debt and adding previously disputed items without any new evidence or validation. The lack of transparency and refusal to provide meaningful verification is unacceptable.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. The details of these accounts are as follows : Bank of America Account # XXXX and Account # XXXX Bank of America has charged off this account. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and can not be reported to your credit report. It is important to have these accounts removed immediately. 
I have also previously sent a letter to this company three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
XXXX is a consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition. 
Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Neither the financial institution nor the consumer reporting agencies, XXXX, have my consent to furnish this information, and they certainly do not have my written consent. Any previous consent given to XXXX, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now revoked. 
The Furnisher of Information to credit agencies did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Account that is being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). XXXX is not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services. 

Thank you XXXX XXXX
Consumer complaint received 2024-05-04
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)

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated or deleted.XXXX XXXX XXXXXXXX Balance : {$26.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$37.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2024-06-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

I contacted Venmo XXXX. XX/XX/XXXX re : withdrawing my balance. It is now XXXX. XX/XX/XXXX and I've been given the runaround saying I need to wait to physically be on US soil in order to log into my account ( didn't work ), acquire a new phone number in order to verify my identity somehow ( didn't work ) and provide US identification ( explained many times that I am a XXXX citizen and was able to set up a Venmo account without US ID in 2018 ) which is impossible. 

This is a scam company that steals its customers ' hard-earned money.
Consumer complaint received 2024-09-11
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. ()

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (CT)

i was approve for a modification around XXXX or XX/XX/year> i was also approve for XXXX XXXX from my home ct state grant to put towards my mortgage they want me to sign the modification papers which i refuse because they refused to put that towards my mortgage but the check cleared at the end of XXXX but they did not put in the modification papers but they still want me to sign no i will not. also my XXXX that i paid is not in there also. with those payments and all those payments i made for 18 years is not in there.with all those payments added my payments would be a whole lot cheaper butr they refused, they claim they have all this interest to pay. which is a lie. they just want the money for themselves they said if i dont sign i have to start all over again which i am not. i would email everything but there is to much .i need a lawyer but i cant afford one. they refuse to put the XXXX in the modification papers plus the XXXX and the rest of the money i will send you the modification papers i need a lawyer.
Consumer complaint received 2023-08-26
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. (FL)

XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  account number 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 602 A Section 2. It also states a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2024-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/year>, I mailed certified documentation for the second time to address fraudulent accounts on my credit report due to identity theft. Despite submitting all required documents, including a police report and an FTC report, the company has refused to honor my request to remove these fraudulent accounts. I have taken every necessary action to prove that I am a victim of identity theft, yet they continue to ignore this fact. 

Additionally, the company has merged my credit file with another consumers file. This has resulted in the wrongful addition of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report. I did not authorize any of these accounts or pull my credit in the last two years.

I request that the company take immediate action to remove the fraudulent accounts and rectify the errors made to my credit file.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.