davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MS)

XXXX Reversal to XXXX XXXX through Paypal {$810.00} XXXX Reversal to XXXX XXXX through Paypal {$810.00} XXXX transaction XXXX Payment reversed to XXXX XXXX Paypal {$260.00} Paypal is the company.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX is report an account number # XXXX in charged off status I demand they remove this from my credit report. This is my formal dispute and if you don't remove it I will seek fines and sue you and transfer it to a consumer attorney for possible legal action Thanks XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NV)

A few months ago i noticed that i had a bankruptcy reporting on my credit report. I did some investigation and found out that my mother had filed for bankruptcy. I disputed the bankruptcy with all 3 bureaus and only 1 bureau took it off. XXXX and XXXX did not remove it.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 
clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. 



any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately. 


a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-12-03
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. (TN)

I am a victim of identity theft. I continue to try to file disputes with the correct paperwork according to the FCRA. But these disputes are not being filed correctly and the FTC reports are not being attached to the disputes I file. I am still not getting copies of the verification process per the FCRA. When I call I cant get any help.
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

Hello, My name is XXXX XXXX and on XX/XX/2018 I purchased a {$50.00} American express gift card with cash and a couple weeks later when my sister went to use it did not work. I called American Express and they told me the card was never activated and I needed to fax the picture of the card ( front and back ) along with the receipt. Since I bought the card cash I lost the receipt but I gave my sister a gift receipt from the store, so I used the gift receipt to get a receipt from the store which I bought the card from. When I faxed the documents to American Express they told me that the receipt printed from the store database is not acceptable and that they needed the original receipt. I'm stuck and I'm unable to recoup my money. Please help. My telephone is XXXX XXXX. 

Note : My reference number with American Express is XXXX
Consumer complaint received 2024-04-18
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. (LA)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (WA)

I opened a checking account in Citibank on XX/XX/XXXX, and deposited {$50000.00}, and maintained that balance for 90 days, as required by the promotion at the time, which claimed to XXXX a cash bonus of {$500.00} if the actions described above were done. 

On XXXX, XXXX I called to verify that the terms were fulfilled and that I could move the balance to another account and that I should receive the money soon. They confirmed both inquiries positively. 

As months passed without any deposit from them, I called again. I was told that it was a matter of time but that I in fact should receive the cash bonus. 

However, starting XXXX, the bank started to claim that they did not keep record of promotions older than 6 months and therefore required me to send the terms and conditions of the promotion in question to receive the money. 

This is a fraud. I kept thousands of dollars in an account that gave almost no interest to receive the benefit that they have not fulfilled. Their claim is also a lie since even I have access to tens and conditions of promotions older than what they claim : https : XXXX
Consumer complaint received 2024-04-18
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. (CA)

Per the FCRA, as a federally protected consumer, I have opted out of any and all authorizations I the consumer may have given in written, unwritten, verbal or non-verbal communication per 15 USC 6802. I have sent letters to XXXX, Equifax and XXXX to have the following accounts removed, and they are not complying.
Consumer complaint received 2024-04-18
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. (TX)

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, XXXX, and Equifax.
Consumer complaint received 2023-12-03
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. (MD)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS OR INQUIRIES XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX + XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1300.00} XXXX Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$8000.00} written off. XXXX XXXXXXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$29000.00} Status Account charged off. {$24000.00} written off. {$29000.00} past due as of XX/XX/XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$15000.00} Status Foreclosure proceedings started. {$1300.00} past due as of XX/XX/XXXX. XXXX XXXX Date opened XX/XX/XXXX Balance - Status Account charged off. {$11000.00} written off. XXXX XXXX LATE PAYMENTS NEED TO BE REMOVED XXXX Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.
Consumer complaint received 2023-08-31
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. (FL)

The following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-18
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: EQUIFAX, INC. (GA)

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 2023-08-31
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: Experian Information Solutions Inc. (MA)

My name is XXXX 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.
Consumer complaint received 2023-12-02
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. (FL)

For XXXX - I had received a loan from them once that got paid. However, a XXXX loan shows, and it is not mine. 

For XXXX XXXX XXXX I have no record of this bill ; it should not be in my credit report.
Consumer complaint received 2023-08-31
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

Edfinancial offers a slightly lowered interest rate on student loans if the account is enrolled in autopay. this encourages you to enroll to receive the benefit. 

Unfortunately their auto pay system does not function properly and never withdraws the payment from your linked account. This causes late fees to be charged and potential harm to a consumer 's credit through no fault of their own. 

I myself enrolled into auto pay for my student loan to the amount of XXXX starting in XX/XX/2023. When I logged into my student loan account to check it in late XXXX of 2023, I realized I had a past due balance of XXXX since the previous month 's payment was never actually taken out. I had to manually submit a payment to get this account brought current. I have multiple email confirmations of me setting up auto pay but it still does not function correctly.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I contacted XXXX, Equifax and XXXX to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true! 
I am enclosing the following documentation to support my claim that the information you have reported is not correct : This negative mark is damaging to my credit. Please contact XXXX, Equifax and XXXX XXXX immediately to remove this information from my credit file.
Consumer complaint received 2023-09-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! 

It has been a defamation of my character Company name : XXXX XXXX XXXX Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Consumer complaint received 2023-12-02
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. (NJ)

[ XXXX XXXX ] Experian Subject : Notice of Dispute under 15 USC 1681 ( b ) Dear Sir/Madam, I am writing to dispute a late payment that has been inaccurately reported on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681 ( b ), I request an investigation into the matter. 

Account Information : Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Inaccuracy : [ XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ] I believe that the late payment reported is inaccurate, and I request that you promptly investigate and correct this information. The FCRA requires that consumer reporting agencies and furnishers of information provide accurate and complete information, and any failure to do so is a violation of federal law. 

Please provide the results of your investigation and any corrections made to my credit report within the timeframe specified by law. I appreciate your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

Last XX/XX/2022, I applied for the U.S. Bank promo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have called U.S. Bank twice without a resolution. 

U.S. Bank indicated that I did not get the bonus because it coded as Q3... I doubled and tripled check my application that it was the correct code. Now its my word vs. what the system coded. I assisted my husband and daughter ( I literally filled out the application ) for the same promo. Their bonus posted and mine didnt. 

Please take note of my application date. Thats in Q4. How can the system code it as Q3? 

I told U.S. Bank that I wanted to escalate this and they provided me a snail mail address for their Complaint Department. I decided to revisit this issue after it was suggested that I email you for assistance. 

Thanks for looking into this.
Consumer complaint received 2023-09-22
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: Open Dealer Exchange, LLC (NC)

I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! 

It has been a defamation of my character Company name : XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my Experian consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-18
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. (MO)

I have filed a couple of disputes with Experian that come back with the statement " verified as correct '', but those same disputes have agreed with me, and been deleted from my report. One of the disputes is 12 years old but because a new collector picked it up, it was deemed " verified as accurate ''. I provided proof that I was on XXXX at the time and was not even supposed to get a bill.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2023 I XXXX XXXX sent in a notice of Identity Theft, request to block and remove a fraudulent tradeline that is reporting on my Experian Credit Report pursuant to 15 USC 1681c-2, The tradeline is with XXXX XXXX with Account Number XXXX and XXXX. 

These accounts DO NOT INCLUDE XXXX XXXX XXXX 

I have attached proof of Notice of Identity Theft, and My Identity theft report from the FTC. 

Experian has NOT blocked this tradeline from my credit report. It has since reappeared on my report. 

This account is to be BLOCKED INDEFINITELY as it was not opened by Me. 

Please see all of my attachments as proof of delivery and Notice of Identity Theft to Experian.
Consumer complaint received 2024-04-18
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)

am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have already contacted all the relevant companies and submitted the required FTC to address this issue. 
Additionally, the companies in question have already removed these accounts from their records. Therefore, I am surprised to see that your bureau is still reporting these fraudulent accounts. Could you please provide documentation regarding your verification methods? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX