davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$3400.00XXXX XXXX XXXX XXXX Balance : {$2400.00XXXX XXXX  XXXX XXXX Balance : {$9900.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to you today in accordance with the provisions outlined in the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), which emphasizes the importance of consumer reporting agencies conducting their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy.

In alignment with this right to privacy, as supported by 15 USC 6801, it is my prerogative to ensure that my private information is not shared. Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) delineates that a consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the respective consumer. As such, it is imperative for consumer reporting agencies to uphold reasonable procedures to prevent violations and to restrict the furnishing of consumer reports to specific purposes, as specified in section 1681b.

Regrettably, my recent examination of my credit report has revealed instances where reasonable procedures may not be adequately maintained by TransUnion, XXXX and XXXX. In adherence to the rights afforded by 12 CFR 1016.7, I am hereby exercising my right to opt out at this time.

I kindly request the removal of the following accounts from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX Request : Please delete this account and any similar accounts from my credit report. 

XXXX Account XXXX : XXXX Request : Kindly remove this account from my credit report. 

XXXX XXXX Account XXXX : XXXX Request : Please delete this account from my credit report. 
XXXX XXXX Account XXXX : XXXX Request : Kindly remove this account from my credit report. 

XXXX Account XXXX : XXXX Request : Please eliminate this inaccurate information from my credit report. 
I appreciate your prompt attention to this matter and the timely removal of the specified accounts from my credit report.
Consumer complaint received 2023-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GB Collects, LLC (WA)

On XX/XX/XXXX XXXX XXXX XXXX mistakenly sent me a check ( # XXXX ) for {$360.00}, which I deposited, reference medical claim XXXX XXXXXXXX. They later sent me a letter stating they had made a mistake sending me the check, and the check should have been sent to the provider. I mailed XXXX XXXX XXXX  a check to repay the amount ( XXXX XXXXXXXX ) dated XX/XX/XXXX for {$360.00}. XXXX cashed that check on XX/XX/XXXX ( back of cleared check is stamped with deposit XXXX XXXXXXXX ). I have a copy of the cleared check. On XX/XX/XXXX XXXX turned the {$360.00} alleged debt over to collections company GB Collects, who is now attempting to collect the alleged debt. I contacted XXXX who said they would need some time to figure out what the situation is. Meanwhile, GB Collects continues to attempt to collect a debt that I do not owe.
Consumer complaint received 2023-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Dear PayPal Support Team, I am writing to appeal the permanent limitation placed on my PayPal account. I strongly believe that this limitation was a mistake, and I respectfully request that you re-investigate my case and restore my account. 

To begin, I want to emphasize that I have not violated any PayPal policy. I have always adhered to the terms and conditions of PayPal, and I have conducted all my transactions with the utmost integrity and honesty. 

I am extremely disappointed and frustrated with this situation, as PayPal has been a trusted platform for me to carry out my financial transactions for a long time. I can not think of any reason why my account would be permanently limited. 

I kindly request that you re-examine my account activity thoroughly and consider any additional information or documentation that I can provide to support my claim. I am confident that upon review, you will see that the limitation on my account was placed in error. 

If it is possible, I would greatly appreciate it if my account can be reinstated. I have always been a loyal PayPal customer, and I am willing to take any necessary steps to resolve any outstanding issues that may have arisen. 

For your reference, the email address associated with my account is XXXX. 

Thank you for your time and attention to this matter. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota refused to pay the excess balance in the GAAP policy that was purchased. The XXXX was totaled and Toyota stated that their GAAP insurance was not going to the full balance as the GAAP policy we purchased was deemed to cover any balance at 100 % of any default difference between the XXXX value and the balance owed on the XXXX. When we purchased the GAAP policy Toyota 's statement was this GAAP would cover 100 % of any balance owed, Toyota refused to cover the balance of {$770.00}. This was a fraudulent error by Toyota. All payments have been paid and are never late.
Consumer complaint received 2023-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Take a look at the attached documents. I request the bureau to commence an investigation into these accounts, as they inaccurately indicate late payments when I have a history of timely payments.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 2024-03-06
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

As legal counsel, it is imperative to elucidate that the XXXX XXXX of Bank of America, CA has evidently failed in its fiduciary duty to diligently authenticate the identities of account holders. This negligence has resulted in the unauthorized cashing or depositing of funds issued to legitimate entities such as " XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX XXXX '' into personal accounts. Consequently, Bank of America bears liability for the wrongful appropriation of funds totaling {$16000.00}. Furthermore, the individual responsible for the unauthorized withdrawals has been charged with a XXXX in the County of XXXX XXXX, California. This occurrence serves as unequivocal evidence of Bank of America 's failure to authenticate identities thoroughly. Additionally, attached herewith are detailed evidence consisting of XXXX checks ( referenced on pages XXXX and XXXX ) along with comprehensive documentation outlining the entirety of the incident. Therefore, it is incumbent upon Bank of America to promptly redress this grievance by reimbursing the aforementioned sum to the aggrieved party. 
Initially, communication was initiated with the plaintiff 's bank, XXXXXXXX XXXX in accordance with standard protocol. However, Bank of America demonstrated a reluctance to engage in collaborative efforts with XXXXXXXX XXXX regarding the incident in question. Notably, XXXXXXXX XXXX  has confirmed solely that the checks were indeed cashed within Bank of America 's domain. Subsequent correspondence from Bank of America attempts to assert that the incident transpired too long ago to warrant verification via their systems, a contention that defies rational scrutiny. Such assertions only serve to obfuscate the bank 's accountability in this matter. Therefore, Bank of America must be held accountable for its failure to engage in due diligence and to rectify the financial losses incurred by the plaintiff.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

JPMCB, Paid account, i paid it before closed and charged offs, but account derogatory or remarked is non payments, ACCOUNT NUMBER # XXXX. Opened date XX/XX/2015, Credit limit is {$1200.00}, but showing is {$1200.00}, everything is incorrect
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose
Consumer complaint received 2024-03-27
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: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX  XXXX usage - % credit usage unavailable Balance - Balance updated- Credit limit {$250.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/2020 Account type Secured Card Payment summary XXXX XXXXXXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - Status Paid, Closed/Never late. 
Status updated XX/XX/2020 Highest balance $ XXXX Monthly payment - Last payment dateXXXX XXXX XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-03-27
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. (VA)

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 2024-03-27
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. ()

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX C XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX ( Original XXXXXXXX XXXX XXXX ) XXXX : {$550.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

For years scammers have mess up my credit accont.they even clean out my bank account and open accounts in my name.i have written & call the credit Bureas for help but they refuse to help me.so me trying to get a home for me and my family seems impossible.becuse the Bureas refuse to help me plus i had XXXX ( 4 ) times.i was told to sue them but am asking for help one more time
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MT)

I received a letter from Mohela saying : " Your 12-month period for income-based payments under the Pay As You Earn ( PAYE ) plan is due to expire. Recertify your income and family size now to calculate monthly payments under this plan for another XXXX period and avoid missing the recertification deadline of XX/XX/XXXX. If we do not receive your renewal request in time, or if your request does not result in a partial financial hardship, your payment will adjust to approximately XXXX. '' The student aid website says : " If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. '' When I called Mohela to ensure that my recertification date would be pushed out 1 year as described on the student aid website, I was given opposition and that this is not possible. I spoke with a few representatives who said they would submit a request to push my deadline and that I would hear back with the result. However every time I called to get an update on the request, I was told the paperwork was not submitted correctly and that my deadline is XX/XX/XXXX. Upon asking for clarification after several phone calls and XXXX on a single phone call I was then told that the date on the letter I received was only a " soft deadline '' and that the real deadline is XX/XX/XXXX because that was my XXXX anniversary date. However on XXXX 's website my anniversary date is XX/XX/XXXX. Mohela will not say where the XX/XX/XXXX date came from. When I asked to speak with a supervisor, there was not one available for me to speak with. I now have less than one week to try to have the servicer bring their policy in line with student aid 's and am being told that I will not hear a result or get additional documentation clarifying my deadline until after the deadline on the letter I received. This last time I talked with XXXX XXXX and was unable to speak with her reporting supervisor was XXXX XXXX. It seems like Mohela is being very disingenuous and likely against federal policy in their dealings.
Consumer complaint received 2024-03-27
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. (MS)

I sent a letter to the bankruptcy court concerning the dismissed bankruptcies that have been added to my public records on my credit report. I was told that the court does not share this information with the credit reporting agencys. With that being said, Experian, XXXX and XXXX have violated 15 USC 1681i.
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

I needed a voided check. I googled chime technical support it gave me phone number XXXX it went through some identity verification steps and led me to a representative he had me download an app and give him the code..he was then viewing my screen and controlling my phone he emptied my account to someone name XXXX XXXX we were at some point disconnected and he called me back on phone number XXXX please help he drained XXXX from my account and I'm worried chime isn't going to reimburse me
Consumer complaint received 2023-12-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mercedes Benz Financial Services (NC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXXXXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On my Equifax report, there is a duplicate charge off with all the same dates and amounts but with a different account number. I disputed this on MY Equifax as well as my husband 's Equifax. The duplicate account was removed from my husband 's credit report but BOTH the correct account AND the duplicate account were confirmed on MY Equifax Report. I do not understand because we've only had ONE account with this company with ONE vehicle. I have redisputed the item but Equifax told me to file a complaint and add the complaint info to my dispute so that is what I'm doing. Here is the info regarding these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Correct account is account ending in XXXX. 

Duplicate Account : Acct # XXXX Opening date : XX/XX/XXXX Last pmt date : XX/XX/XXXX Charge off amt : {$10000.00} Again, the duplicate account ( # XXXX ) has THE SAME EXACT DATES AND AMOUNTS as the correct account ( ending in XXXX. I think the whole account number for the correct account is XXXX but I am not 100 % positive since the credit reports do not give the entire account number ). 
I do not want to contact XXXX because I do not want to begin with harassing phone calls and I do not want to accidentally " start the collections clock '' again. Thank you.
Consumer complaint received 2024-03-27
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. (FL)

Please Supply Me With Information That Was Use to Verify The Items Or Delete The Late Payments. 
I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX. ACCOUNT # XXXX DATE OPEN XX/XX/2021 Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Page 36 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a separate complaint on the count of Bank of America freeing my funds without a court order, judgement and tax lien. This complaint refers to BofA denying me access to Social Security funds and XXXX XXXX annuity payment. Both are under investigation by XXXX for Social Security and the Special Investigations Division of XXXX XXXX. The cfpb should take additional steps due to XXXX, clear violation of Federal Statute ( USCA ) and US case law.