davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (CA)

In the summer of XXXX, XXXX sent me an advertisement of a free cellular phone. The phone and the service bill had to be paid by the ACP program run by the federal government. Then, XXXX delivered to me a non-working phone. I requested an exchange of the phone and establishment of the quality service. A case was open. XXXX did not act and did not perform any exchange or repairs. They continued to draw money from the ACP without providing any services. As a result, I cancelled my account with XXXX, requested ACP to stop paying them and requested XXXX to facilitate return of their useless phone. XXXX instructed me to take the phone to a XXXX XXXX for shipment to XXXX. So I did. The local XXXX XXXX declined to accept the phone and stated that XXXX must provide a return shipping label. I requested a return label from XXXX. Yet another case was opened and then closed without any resolution. XXXX effectively declined return of its useless equipment. Then, XXXX fraudulently submitted a charge for the phone and service to my credit card. The fraudulent charge was reversed and further XXXX sham bills were barred from submission by the credit card company. 
In XX/XX/XXXX, XXXX fabricated bills for the services not rendered and equipment not delivered. They teamed up with the collection agency Credence Resource Management to extort money from me according to the false bills. Credence was asked to obtain verification of debt that showed my obligation to pay XXXX  for its services and receipt for their equipment. Credence failed to do so, and continues to base its collection activities on the latter-fabricated false XXXX bills. It is a typical illegal extortionist operation.
Consumer complaint received 2024-06-05
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. (TX)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2023-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch (CA)

This is the only way I can communicate with XXXX XXXX XXXX XXXX because they dont know how to respond to me in any other way. They claim to be a company who helps their clients even if the loan that was taken out was fraudulent. Also, there was never a loan for {$3800.00} deposited into my account in the first place. They claim there was. The bank account that is now closed ending in XXXX never had a loan in that amount deposited. I never used the money for a loan in that amount. My spouse is My witness. I would like the CFPB or someone to investigate this matter if possible. I have already filed an IC3 complaint with the FBI explaining all this as well. Again, XXXX XXXX XXXX XXXX says a loan was deposited into my bank for {$3800.00}. That is false. There was no record of that. Also, that bank account is now closed because of identity theft/fraud. Dont trust XXXX XXXX XXXX XXXX because they wont help you. They will make false claims. I would not go through all this trouble if it was my loan. Think about it. Would you go through all this trouble if the loan was yours? No. Also, where is the evidence of me signing anything or authorizing anything for any loan for {$3800.00}. No one talked to me or sent me anything.
Consumer complaint received 2024-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
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. (TX)

At least 2 disputes have been sent and received by TransUnion regarding a NCA collection account. The account has not been investigated at all according to the most recent report. The last account update ( XX/XX/2023 ) predates the investigations that TransUnion have claimed to have conducted.
Consumer complaint received 2023-12-18
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 (CA)

In XXXX XXXX XXXX Venmo froze my account. After providing requested documents to verify my identity I was informed that my account would be permanently frozen and the funds in the account would be held for up to 180 days for loss prevention and I would get an email should these funds become available. On XX/XX/ I got the email saying I would be able to transfer my funds ( {$250.00} ) out of Venmo using their standard bank transfer option. There was no bank account linked to my Venmo account so I needed to add a bank before I could transfer the funds. I am not able to successfully link my bank account due to the status of my account according to Venmo. I have called Venmo 20-30 times since I got the email on XX/XX/XXXX saying my funds were able to be transferred. I was asked to send pictures of my ID again and a recent bank statement for the bank account that I was trying to add. Which I did immediately. However just like every other phone call with Venmo concludes I am just told they will have to escalate my issue to an account specialist and they will get back to me by email in 7-10 business days. So far the emails I get in response to this issue are unrelated and do not resolve the problem. In fact some of them are identical to the email I got in XXXX explaining that my account is frozen and my funds will be held for up to 180 days. So Im really just going through the same process over and over getting nowhere. I have even asked to just close my account and they can mail me a check but I am told that due to the status of my account that is not an option. I have been transferred to a supervisor at Venmo only 2 times but they just repeat the same info and tell me to wait 7-10 business days for an email.
Consumer complaint received 2023-08-25
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MRS BPO, LLC (TX)

On XX/XX/2023 I received a letter from XXXX XXXX XXXX XXXX XXXX stating that I owe XXXX XXXX {$4300.00}. I did not give authorization for XXXX a third party and to take over XXXX XXXX account. When I called XXXX XXXX a copy of the signed documents showing that I gave them authorization they never sent it to me. Now it is XX/XX/2023 and I would like this off my credit report it is giving me a negative report and would like to have this off immediately.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (IL)

My discover card has a 5 % cash back on some purchases like XXXX or XXXX and 1 % on all other purchases. I paid a {$7500.00}. Bill In full on XX/XX/2023 but only received {$33.00}. The math doesnt work. The customer service representative after a lengthy conversation on the 5 % XXXX1 % still couldnt answer the question of how even at the 1 % is {$75.00} she then disconnected our phone call. I hope your institution can get a proper explanation or Discover card to properly credit my account. Thank you.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
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. (CA)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. 

Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. 

Moreover, other credit bureaus have already corrected the status of the account stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

Equifax is not updating my credit report. Since XXXX the only time they have updated anything is when I have disputed it. I paid off all of my credit cards in XXXX, Equifax still has me using 40 % of my available credit, and the ones they have updated they only did so because i disputed the balance. This is negatively effecting my ability to obtain credit. On the credit reprot it even shows the last payments they updated as being in XXXX, except for the ones I disputed. All of the companies in question have assured me they have notified Equifax of my status every month along with the other XXXX agencies ( XXXX and XXXX ) and that it is Equifax choosing not to update me
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: EQUIFAX, INC. (NJ)

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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ID)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-15
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. (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.

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.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Can you review the documents? Some of the listed accounts have inaccuracies in the reporting, amounts, and dates.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NJ)

XX/XX/23 I contacted Chase Bank for Visa Card, generated on XX/XX/23, starting with # XXXX from JPMCB being generated falsely with my Social and pedigree information. This was a confirmed act of identity theft through Chase Bank. I have already contacted the major creditors to fraud lock my credit accounts and to begin a formal investigation. I have also launched an ID Theft investigation with XXXX XXXX XXXX in NJ # XXXX today XX/XX/23. Chase locked this card and shut it down immediately.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm contacting you regarding fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or permission, causing considerable XXXX. As a victim of identity theft, I've taken immediate steps to report this incident. This issue requires urgent attention due to its negative impact on my financial status and reputation. I request your assistance in swiftly removing all fraudulent data from my credit report and conducting a comprehensive investigation. I stand ready to provide any necessary evidence and, if needed, pursue legal action to safeguard my rights and seek appropriate redress. Your immediate attention to this pressing matter is greatly valued.
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: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
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. (OH)

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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

There is no account number from XXXX on my credit report. 
XXXX card is showing on my credit report as a previous balance of {$6500.00} with a current balance of XXXX. XXXX also states that they have written this off and sold this debt. 
Since debt write offs are considered income, I should receive a 1099-C from XXXX, as this would be considered income on my tax return. 

Also, income can not be reported on a credit report. 

Please remove this account from my file. Thank you.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

This credit reporting agency is using old delinquent payment history of accounts that have been discharged in my bankruptcy to calculate my credit score. Under the bankruptcy laws accounts that have been discharged are not to be included in calculating credit scores as they have been discharged.
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 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 XXXXXX/XX/2023.
Consumer complaint received 2024-07-10
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. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the following accounts. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX XXXX