davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates (IL)

I have attempted to dispute this twice with XXXX, both times came back stating they verified that it was accurate with the collection agency ( Prince Parker and Associates, on behalf of XXXX XXXX XXXX XXXX ). I have never held an XXXX XXXX XXXX XXXX account in my life. I attempted to contact Prince Parker and Associates and was told that with the info provided they could not locate any accounts associated with me they were collecting on. They then wanted me to provide me social security number to an overseas call center employee and I was not comfortable providing this. They have made no attempts to contact me to collect on this. The only way I found out about this was a notice from XXXX that I had an account in collections on XXXX ( this does not show with other reporting agencies ). I do not believe this debt belongs to me. I have not been able to verify this debt with collection agency and no one has provided as accompanying evidence to backup the claims that this debt belongs to me.
Consumer complaint received 2024-04-06
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)

This is to folow up despite providing comprehensive documentation and evidence clearly demonstrating the fraudulent nature of the items in question, the responses I have received thus far have been unsatisfactory and have provided no indication of progress towards resolution. This ongoing lack of accountability and transparency has left me feeling powerless and betrayed by your company 's inability to handle this matter effectively. 

Furthermore, the prolonged delay in resolving this issue has had significant consequences on my financial well-being. I have experienced undue financial hardship and stress due to the presence of these fraudulent items on my credit file, which have hindered my ability to access credit and obtain favorable terms. 

XXXX a thorough and expedited review of my case, with a firm commitment to prioritize its resolution. 
Promptly remove all fraudulent items from my credit file and provide confirmation of their deletion. 
Provide transparent and regular updates on the progress made towards resolving this matter, including specific timelines for action. 
Implement measures to prevent similar incidents from occurring in the future, including a comprehensive review and enhancement of your company 's procedures and protocols for handling fraud-related issues. 
Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse to protect my rights and interests. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have been working for almost a year to get these items removed on my credit report. I am a victim of identity theft and have been sending letters to the bureaus but they remained in my credit report. I hope you can do something about my situation. Thanks
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/24, I noticed a couple of small transactions I did not recognize in my account history. I contacted my bank and was told they were made on XXXX using my paypal account. 
I called the customer service number for XXXX and ended up being transferred and speaking with a gentleman that stated he worked for Paypal customer service. He stated it was an error and processed a credit transfer of {$880.00} into my account, he said it was to confirm it was valid. He then transferred that money back out and sent me another credit for {$5.00}. 
I unlinked my bank account from Paypal and a few days later realized my account was now linked to a credit line and that {$880.00} had been charged to it. I contacted Paypal customer service again and opened a case, and told them that I did not make any transactions, that this was fraudulent. I also requested that the Paypal credit line be closed. 
I got an email from Paypal customer service today stating that my case was closed and i was not going to be reimbursed the {$880.00} ( or have it credited back to the credit line that was opened ) I called Paypal immediately and they told me it was closed not in my favor because I had closed the credit account, so they could not help me. Which is terrible and against all consumer financial protection laws. They also said it was closed because it was a person to person transfer. The money was transferred to a person, but not by me! Someone at Paypal or a hacker fraudulently hacked into my account and sent money somewhere. 
This is incredibly frustrating and Paypal needs to take responsibility for fraudulent charges that happen on their customers accounts. They have an email address and a transaction ID of where this money was sent, why is that account not being held responsible for this money? 
This is an unfair and fraudulent business practice and I am not paying that huge sum of money to a scammer because Paypal wont take responsibility.
Consumer complaint received 2023-12-19
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX  has violated my rights under 15 USC 1618 section 6 o 2 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 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 2023-12-19
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (AR)

I received a letter dated XX/XX/23 from National Credit Systems, alleging I owe a debt, which I dispute. Their letter said if I wrote to them by XX/XX/23, they must stop collection until they send me verification of the debt. On XX/XX/23, I sent them a dispute letter via their online portal and email address, requesting verification of the debt and that they stop collection efforts until they provide same. On XX/XX/23, I received a letter with further collection efforts, despite having received no verification of the debt, in violation of the FDCPA. I again wrote to National Credit Systems on XX/XX/23 asking them to cease collection efforts until sending verification of the debt, yet they reported this unverified debt to the credit reporting agencies on XX/XX/23.
Consumer complaint received 2023-12-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

I am writing with a heavy heart and a sense of desperation to request your understanding and compassion in a matter of significant financial consequence. I have been a loyal customer of SYNCB/CARE CREDIT for 8 years and have always appreciated the relationship we've had. Unfortunately, life has thrown an unexpected and devastating curveball our way. Recently, my family suffered the profound loss of a close family member, my beloved father. This unforeseen tragedy has not only left us emotionally shattered but has also brought about unexpected financial challenges. During this difficult time, managing the obligations associated with our [ Bank or SYNCB/CARE CREDIT account has become an overwhelming burden. I have reached out to your customer service representatives, and I must commend the empathy and understanding they have shown during our interactions. They have informed me about the possibility of a goodwill adjustment, considering the exceptional circumstances surrounding our situation.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with Calrity Services . Please prioritize this matter for prompt action. I have tried to email them, at Clarity Services XXXX, a part of Experian Consumer Support Division XXXX XXXX XXXX XXXX, TX XXXX But I am not getting any response or completion of my request. 
"
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Identified Issues : 1. Bank of America Revolving card ( loan ) has been issued by someone under my personal information in XX/XX/XXXX with the debt of approx {$9000.00}. 
2. someone has been paying back on the bank of Americal Revolving loan since XXXX and still active with $ XXXX bebt. 
3. someone stopped the payment since XX/XX/XXXX which negatively impacted on my Credit score. 

Actions taken so far 1. I visited Bank of America branch > Financial Advisor in person and identified that I've never issued the bank account under Bank of America and they confirmed that they can not find any history of Revolving loan 2. Frozen my bank account or credit card issuance by calling all three credit bureau
Consumer complaint received 2023-12-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I applied to a personal line of credit with Navy Federal Credit Union in an attempt to consolidate more my business with the institution. The range of the LOC is XXXX XXXX XXXX for non service members. Despite having a good salary, very low debt to credit ratio and a high credit score, Navy Federal provided a {$500.00} credit limit. I inquired if a reason behind the decision could be provided. Navy Federal reps could not give that information and instead advised that if I accepted the terms I could then request an additional increase. I reluctantly took the offer, went back through my credit report and found nothing consistent with this reasoning given my very high credit limits granted by other financial institutions. I believe this should be looked into after hearing about NFCUs class action for mortgage denial rates against XXXXXXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-06
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)

I am writing to express my continued dissatisfaction and disappointment with the handling of my third attempt to remove fraudulent items from my credit file. Despite my persistent efforts and submission of substantial evidence, the response from your company has been inadequate and fails to address the urgency and severity of the situation. 

Despite providing comprehensive documentation and evidence clearly demonstrating the fraudulent nature of the items in question, the responses I have received thus far have been unsatisfactory and have provided no indication of progress towards resolution. This ongoing lack of accountability and transparency has left me feeling powerless and betrayed by your company 's inability to handle this matter effectively. 

Conduct a thorough and expedited review of my case, with a firm commitment to prioritize its resolution.

Promptly remove all fraudulent items from my credit file and provide confirmation of their deletion. 
Provide transparent and regular updates on the progress made towards resolving this matter, including specific timelines for action. 
Implement measures to prevent similar incidents from occurring in the future, including a comprehensive review and enhancement of your company 's procedures and protocols for handling fraud-related issues. 
Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse to protect my rights and interests. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX/DOFED XXXX Balance Owed : {$0.00} XXXX/DOFED XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX/DOFED XXXX Balance Owed : {$0.00} XXXX/DOFED XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One has stated that I owe an alleged debt for a credit card. I told Capital One that I do not owe them any alleged debts and they should stop their collection attempts. I demanded to " Opt Out '' of them sharing my information to everyone and for them to properly validate this alleged debt. They ignored me by not validating the alleged debt and continuing to share my private information. See attach.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

They have an inquiry from XXXX  from XXXX and I dont owe a XXXX at all. Never have. They have it confused with my older brother since our social security numbers are close together and only different my the last number.
Consumer complaint received 2024-04-06
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-03-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX Date Open : XX/XX/2005 Balance : {$25000.00}.
Consumer complaint received 2024-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC (AZ)

Zelle 's app isn't able to work properly on ios 10 or higher per customer service rep. Because of this, I am unable to access funds from a settlement through Zelle because my bank won't allow Zelle to be used because of their unwillingness to refund when scammed.