davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

This is my 8th endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , FL XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report, which must be rectified without delay. I have been XXXX XXXX XXXX  and only recently returned to the United States, where I discovered these unauthorized entries on my credit report. 

Below are the details of the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is evident from my credit history that I have maintained a responsible financial record, with all closed accounts being paid on time and no instances of delinquency or misconduct. Given this context, the presence of these fraudulent accounts is not only unwarranted but also severely damaging to my creditworthiness. 

As per consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), it is your obligation to ensure the accuracy and integrity of the information reported on my credit file. The inclusion of fraudulent accounts violates my rights under this legislation, and I demand their immediate removal. 

I hereby request that you initiate an investigation into these fraudulent accounts and take prompt action to remove them from my credit report within 14 business days. Failure to comply with this request will leave me with no alternative but to pursue pre-arbitration proceedings. Please be advised that I will seek reimbursement for any expenses incurred as a result of your non-compliance. 

I trust that you will treat this matter with the urgency it deserves and take the necessary steps to rectify the inaccuracies on my credit report. Should you require any further information or documentation from my end, please do not hesitate to contact me at the earliest convenience. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Application processing delay — 
Company: Neon Newco Corporation (AK)

I started to activate my card and the customer service rep Asked my address which I gave and she said that is a XXXX which Which was not allowed and I said it was on all my paperwork License etch. She no, I paused for minute to think if I should use Use my current address or my mothers as I was going there Because she XXXX. 
Needed the card to purchase airline tickets as I don'tLike to use my bank debit card online. 
I wanted to think for a moment so I asked if could phone back And she said yes no problem Not bothering to tell me they Were in fact. Closing for the nite. I tried to get refund from XXXX .they did not care would do nothing. 
I tried to activate online, no luck. 
They froze my account and the XXXXin it I have sent them by fax, my drivers license, state id, social Security card, voter id, XXXX id, letter from Alaska DHS, A latter from my bank And they still have not activated my card I told my mother XXXX they do n't care My mother XXXX tonite and XXXX the The card is Netspend Stay away!
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$140.00} ; XXXX  XXXX XXXX Balance : {$43.00} ; XXXX XXXX XXXX**** Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXXXXXX XXXX Balance : {$1100.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-18
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-02
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 (SD)

I received an email notification that my PayPal account is allowed to withdraw funds, but I am unable to complete the process of link new bank for withdrawals, and I have contacted the customer service representative by phone several times, but the problem has not been resolved, please help me, thank you! 
Attachment contains a notice of permitted withdrawals from PayPal.
Consumer complaint received 2024-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (WI)

My tax escrow payment was drawn from my accounton XX/XX/XXXX. I checked with the city and my taxes were not paid. I corresponded with United Wholesale Mortgage, my mortgage company at the time and was told they will research it. I contacted the XXXX of XXXX XXXX, whom the taxes are to be paid to, and they confirmed that taxes were not paid. I contacted the mortgage company again and they told me the taxes went to XXXX XXXX of XXXX not the city of XXXX XXXX. I followed up with XXXX XXXX and XXXX XXXX confirmed that they did have a check for the taxes but it should not have gone to XXXX XXXX, it should have gone to the city of XXXX XXXX, WI. XXXX XXXX person said that they sent the check back to the mortgage company. In XXXX I again contacted the mortgage company to get my taxes paid to the city and again they said they will research it. My XXXX taxes were finally paid in XXXX of XXXX and the mortgage company pulled the escrow a second time without ever reimbursing me for the first tax withdrawal. They pulled the XXXX taxes twice from my escrow, once in XXXX of XXXX, then again in XXXX of XXXX and sold the mortgage in XXXX of XXXX and transferred the incorrect escrow balance to the new company. I never checked my escrow balance as the real estate taxes were paid in XXXX of XXXX. The new mortgage company paid the XXXX taxes timely in XXXX. I Received a letter today from the new mortgage company that says my escrow account is negative and they need to increase my payment by {$400.00}. This is incorrect as the old mortgage company United Wholesale Mortgage owes me {$4700.00} which should go to my escrow account.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, 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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Consumer complaint received 2023-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Computer Credit, Inc. (WA)

Once again, Computer Credit Inc is sending me bills for account numbers that arent mine, with pertinent details hidden on their website. This time, the billing details do not match any records of mine. 

On XX/XX/XXXX, I visited the XX/XX/XXXXXXXX website to look at my account. It said I owed {$120.00}, so thats what I paid. Today, I opened a letter from XXXX dated XX/XX/, saying that as of XX/XX/XXXX, I was billed by XXXX for {$150.00}, paid {$140.00}, and owe {$13.00}. Buried on their website, XXXX says this was for a XX/XX/XX/XX/XXXXvisit. Neither the {$150.00} bill nor the {$140.00} payment amounts match any records on my XXXX account, my XXXX XXXX XXXX, nor my XXXX XXXX XXXX account. Why are they making up these numbers? 

I checked my XXXX account again today, which says I owe {$0.00}, as of my last statement dated XX/XX/XXXX. Note that this is before the XX/XX/XXXX date of XX/XX/XXXXreport.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE items XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX  XXXX Balance Owed : {$2400.00} XXXX  XXXX Balance Owed : {$2100.00} XXXX  XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (TX)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD RETAIL CARD SERVICES XXXXXX/XX/2023 I was shock to see this inquiries on my credit report I never gave anyone permisson to use my credit please remove this of my credit report
Consumer complaint received 2023-07-12
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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 an account without my written instruction.
Consumer complaint received 2023-05-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

PORTFOLIO RECOVERY is govern by 15 USC 1681 and they violated my rights numerous times. I demand the account listed below and uploaded be remove because According to 15 USC 1681 : I have right to privacy and I did not give PORTFOLIO RECOVERY written permission to furnish this account Account # XXXX
Consumer complaint received 2023-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (NY)

Mr. Cooper has tried to foreclose my co-op unit behind my back and I don't have a loan with them. They claim they are the mortgage company for the loan. They claim they have been sending me letters for years. I have not received the letters they have claimed they have sent me. They have been illegally taking money from the current board of my co-op without my permission, or knowledge. They claim they have documents that confirms my identity, but none of their documents match up. They have different names on different documents. They have collected money from the property manager " XXXX XXXX XXXX '', which I don't approve of either. None of the letters sent that they are showing me the envelopes of these mailings. When I reached out to them about it they refuse to give me consolidated evidence of their records. I have denied the whole loan. They will not give me a clear history of payments, or records they have on file since loan inception. This is predatory behavior, property theft, identity theft, and defamation.
Consumer complaint received 2023-10-27
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. (TX)

I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XX/XX/XXXX I filed XXXX  XXXX Bankruptcy XXXX XXXX  is my only creditor that has not removed me from the debt, reporting inaccuracies stating Im over 90 days late a large balance etc- I have told them to fix this in XXXX its XXXX they are still reporting inaccuracies consistently- Transunion has dropped my score because of this and XXXX has dropped my score this is the only card doing this
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 21st endeavor 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, block 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 XXXX XXXX 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 2024-03-18
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-18
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: Experian Information Solutions Inc. (DC)

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 2023-09-20
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 kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is not letting me use my credit card, by constantly blocking purchases. I have submitted a complaint earlier and I was contacted my a Bank of America representative who told me that I could call support to use my card. But, the solution that I was given does not work. My transactions are still being declined. When I call support, I am told that I'm supposed to be receiving alerts, which is the opposite of what the other representative told me. Sometimes I spend hours with many different support agents who all tell me different things, but none of them will help me make my purchases go through.
Consumer complaint received 2023-11-13
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. (TX)

I did not give written permission to have the following accounts furnished on my credit report ( 15 USC 1681A2 ). 

XXXXXXXX XXXX  - XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX XXXX {$9700.00} {$0.00} XXXX XXXX XXXX  XXXX XX/XX/2023
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 XXXX XXXX XXXX is and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I been customer with Bank of America for years they been scammed me with overdraft fees hidden fees you name it one time they charged me {$35.00} three time total of {$100.00} for one day regardless if you covered your account in the same day With my credit card story at one point I decided to closed my account and I have balance on it even though I closed it they still charged me late fees for months with no mercy I hope you can study my case and see how they abused me and crumble my life thanks