davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2023-10-27
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. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-09-13
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 ()

On XX/XX/XXXX, I got an email from PayPal saying I can no longer use my account. My account was permanently limited and all my money ( {$7500.00} USD ) was put on hold for 180 days. 

In the email it mentioned Based on the information we have today, it appears that there was activity on this account that we can not process. Specifically, those relating to transactions that support pyramid or Ponzi schemes, matrix programs, or other " get rich quick '' schemes or multi-level marketing programs.

Transactions that support pyramid or Ponzi schemes, matrix programs, or other " get rich quick '' schemes or multi-level marketing programs are all against PayPals AUP which means PayPal will fine me {$2500.00} per violation and take all my money based on FALSE accusations. 

I reached out multiple times to support trying to understand and get answers but I just get super vague and general answers. 

I have NEVER been involved in any of the things PayPal mentioned. All my invoices are labeled clearly. I have a social media marketing agency and we help people grow their accounts. 

I asked PayPal for proof or evidence about this violation but as I said they just kept sending super vague statements that didnt address my issue. 

I ONLY want my funds back. I do NOT want to continue using their service. PayPal have falsely accused me of something and because of there malicious AUP policy now they can fine me ( steal my money ). 

My account history is clean. Not a single chargeback/dispute.
Consumer complaint received 2024-04-25
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. (TX)

I am writing to formally dispute the accuracy and reporting of certain accounts listed on my credit report that I believe to be in violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ). These accounts have breached my rights to privacy and confidentiality as stipulated under Title 15 U.S.C. 1681, particularly in sections 602 ( A ), 604 ( A ) ( 2 ), and 1681c ( a ) ( 5 ).

The following accounts have been reported without my explicit written instructions, thereby contravening the requirements set forth by the FCRA : Details of the Dispute : XXXX XXXX XXXX : Reported balance of {$330.00} XXXX XXXX XXXX : Reported balance of {$5500.00} XXXX XXXX XXXX XXXX : Reported balance of {$9300.00} XXXX XXXXXXXX XXXX  : Reported balance of {$16000.00} According to 15 U.S.C. 1681 section 602 ( A ), I am guaranteed the right to privacy. Furthermore, section 604 A ( 2 ) mandates that a consumer reporting agency can not release any account information without receiving written permission from the consumer. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits the reporting of any adverse information, other than criminal convictions, that predates the report by more than seven years.

Moreover, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is unlawful to furnish any information about a consumer to a reporting agency if the provider knows or has reasonable cause to believe that the information is inaccurate. 
Given these violations, I am requesting the immediate deletion of the aforementioned accounts from my credit report. Please review this matter under the guidelines of the FCRA and confirm in writing that these accounts have been removed. 


I am requesting the assistance of the Consumer Financial Protection Bureau to investigate these entries and to facilitate the correction of my credit report. I seek confirmation that these accounts will be removed promptly and any negative impacts related to them be rectified.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 2023-10-28
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)

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 any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-25
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. (NY)

I just checked and reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I set up an online bill pay thru my checking account with Capital One to a vendor. The money was withdrawn from my account on XX/XX/XXXX, mailed to vendor and cashed by vendor on XX/XX/XXXX. Capital One uses a clearinghouse account for online bill pay with XXXX XXXX XXXXXXXX. Check was then returned to vendor as a bounced check on XX/XX/XXXX. Vendor then wanted repayment from me which I supplied. On XX/XX/XXXX I spoke with XXXX and claim # XXXX was established. XXXX I spoke with XXXX with no resolution. On XX/XX/XXXX I spoke with XXXX who said the check was issued and cashed properly. They denied any issue with a bounced check. On XXXX I spoke with XXXX who reiterated same thing without acknowledging the check bounced. I finally sent an email to XXXX XXXX XXXX of Capital One ( XXXX ). I received a call from an assistant to XXXX XXXX who identified himself as XXXX and his phone number is XXXX code XXXX. He finally explained to me the reason for the bounce to the vendor is that the vendor cashed the check twice. I asked for any proof of this and he was unable to provide. I spoke with the vendor and they do not show any attempt at depositing the check twice.
Consumer complaint received 2023-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (IN)

My loan was paid in full on XX/XX/XXXX. As of today ( XX/XX/XXXX ) I still have not received the balance in my escrow account totaling {$5300.00}. My account shows payment was issued on XX/XX/XXXX, but I still do not have a check. I've contacted the company multiple times and they keep saying to wait a week. It has now been 6 weeks since my loan was paid in full or 28 business days excluding holidays and weekends. The CFPB regulation 12 CFR Part 1024.34 states that escrow funds should be returned within 20 business days.

My new address is on file with the company as I received a final escrow statement from the company at my new address as well as a paid-in-full letter. I'm not sure what the delay is in receiving payment, but the company is now in violation of federal law.
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: Experian Information Solutions Inc. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NC)

Calls and rext about relief from XXXXXXXX XXXX XXXX XXXX XXXX XXXX Which was not report by the courts. As told on phone we don't supply info to credit bureaus.
Consumer complaint received 2023-09-20
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. (NY)

A total of five unauthorized inquires from three companies are on my TransUnion consumer report, I never benefited from any of these transactions between TRANSUNION and these companies and I never gave these companies my consent to pull my consumer report and add information to it. TRANSUNION never even disclosed to me that they received a request from these companies to pull my consumer report. Pulling up my nonpublicinformation without consent and adding information on top of that is identity theft XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2023-09-20
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. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2024-04-25
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)

About a month ago I realized there were fraudulent charges on my XXXX account. I called XXXX. They removed the charges and closed the card. They sent me a new card BUT charged me interest on those fraudulent charges ( which they assured me in a letter ( attached below ) they mailed to me they would NOT do ). I was also assured this would not get reported to the credit bureau. I didn't realize this so of course it was marked late. This was reported late and was reported to the credit bureau mid XXXX of this year. 

I called and told them this was wrong, and they removed the interest charge of XXXX and credited me back. Unfortunately, the negative mark on my credit report that XXXX has reported has not been removed. It caused a big drop in my score. I need this to be removed ASAP. I called XXXX multiple times with no success. 

I also requested they give me a letter saying that they made a mistake, and this late payment should have never been reported. They haven't done this. I explained to them the importance of updating the report. 

I am currently getting mortgage for a house will not be able to if my score doesn't go up. I will lose the home I am trying to purchase. I understand it takes time to take things off my credit report, but XXXX can at least give me a letter saying this was reported my mistake. I also disputed this XXXX late payment on all the credit bureaus. It was reported mid XXXX of this year. I need this negative mark off my credit report ASAP. Please if you could help I am desperate at this point.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NC)

On XXXX XXXX, I authorized a Wells Fargo credit card transaction for {$2300.00}, to XXXX XXXX XXXX. I learned soon after it was a scam. They said they were a program of XXXX, but instead it's a XXXX XXXX XXXX scam. They sold me a product that doesn't exist, under the cover of a company I would recognize. I called my bank to report the scam and try to recoup my money. They denied the claim, because XXXX  XXXX XXXX provided proof that I had authorized the charge. I resubmitted a claim again and again, each time giving more details, but continued to be denied. At this point XXXX  months have passed, I called once again needing to understand why it was denied, and they said I should have filed a dispute claim instead of a fraud claim. So then, I called to submit at dispute claim. but they told me I was out of my time frame and there was nothing they could do. They should have told me right away to file a dispute claim, so I could have been with in my time frame. I need help getting my money back. Wells Fargo is not doing anything to recover my loss. Instead caused me XXXX  months of lost time and options. It's not hard to research this company and find out they ae scamming people. I have reported XXXX XXXX XXXX to the Federal Trade Commission. Report # XXXX
Consumer complaint received 2024-04-25
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX signed up for experian for a 7 day free trial. I had completely forgotten to cancel my membership. I woke up this morning and I was charged {$24.00} XXXX contacted experian and the representative told me she is unable to refund me {$24.00} I said ok since you are refusing to refund me I will be contacting my bank to dispute it and I ended the conversation. I contacted chase and XXXX told me that the transaction is pending and to wait until it posts for a dispute to be filed. If experian isnt going to help me I will be contacting my bank to get my money back and Im never using experian again.
Consumer complaint received 2024-04-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (LA)

This company have obtained my personal information from a company without my consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a XXXX form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The XXXX  XXXX XXXX, please cease and desist all communication in regards to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please delete account from your records. U.S. Code 1109 - Liability for breach of fiduciary duty Company only sold debt to collect on behalf of another company but have Failed to send validation notice and inform consumer about notices of opting out of reporting, only sent enforceable contract to attempt to collect. Statement of disclosure does not provide notices. XXXX XXXX XXXX are not listed on the XXXX  XXXX of XXXX offical website business entity filings to collect a debt in the state of XXXX.
Consumer complaint received 2023-12-21
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. (AZ)

Experian has allowed companies of various interest to report accounts, amounts, reporting information without FIRST notifying the natural person who is principal for the person XXXX XXXX XXXX. Experian has repeatedly violated the federally protected rights and that of the private rights by allowing incorrect, illegitimate, fraudulent, illegal, unverified, unvalidated, unproveable reporting of accounts. Numerous and repeated objections, disputed accounts with specific instructions for undeniable proof that alleged debts being reported were in fact Lawful and Legal by providing evidence in the forms of wet-ink signatures of purchase agreements, contract agreements, receipts, any and all evidence that a TRUE AND LAWFUL debt was owed. 
NOT ONCE has Experian provided ANY PROOF BY ANY MEANS REQUESTED. NOT ONE shred of proof has been supplied as of this submission of dispute. Experian has consistently demonstrated a natural persons privacy, reputation, financial independence, societal and professional well being is of no importance and consequence to Experian. 
Experian has the arrogant belief that it has somehow the right to administer a persons estate. Experian does not have nor ever been given the right and or permission to administer my estate in any capacity. Nor will it ever!!! Experian is only licensed in Maryland for consumer and credit reporting. Further!!! the continued illegal reporting of information of which Experian HAS NEVER BEEN GRANTED the right, permission to buy, sell and or report my private information. This is IDENTITY THEFT BY EXPERIAN.!!!! CEASE AND DESIST IMMEDIATELY OF THE FOLLOWING ACCOUNTS. XXXX XXXXXXXX XXXX XXXX ACCOUNT # : XXXX / XXXX XXXX ACCOUNT # XXXX / XXXX  ACCOUNT # XXXX  IF NOT REMOVED IN XXXX HOURS OF THIS RECEIPT A MULTI XXXX DOLLAR LAWSUIT IS READY TO BE FILED AGAINST EXPERIAN FOR ITS CONTINUED ILLEGAL IDENTITY THEFT