davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (LA)

I am writing to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. What adds to my frustration and disappointment is the bureau 's apparent failure to recognize the seriousness of my situation. Despite providing substantial evidence of identity theft, it seems that my case has been either overlooked or deemed unimportant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I implore your bureau to take immediate and comprehensive action concerning my identity theft disputes. I insist that you prioritize my case, conduct a thorough investigation, and expeditiously remove the fraudulent accounts and transactions from my credit report. I also request a clearly defined timeline for resolution and regular updates on the progress of my dispute. I trust that this letter underscores the urgency of my situation. I eagerly anticipate a prompt resolution and the restoration of my financial stability and peace of mind.
Consumer complaint received 2018-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/XXXX I used XXXX to send a payment of {$120.00} for tickets. Unfortunately, the " verified account '' was fraudulent - using someone else 's name and photo which they stole from the internet. I immediately reported to XXXX  that I had sent payment for tickets to the " verified user '' and that they did not send tickets in return. XXXX   customer service informed me that XXXX  does not protect users from this type of scam, but encouraged me that they would likely be able to get my money back from the fraudulent account. I also asked if I should use stop payment from my bank, and they advised me not to because it would stop payment to XXXX, but the fraudulent account had already been sent the money so they would need to get it back from them. They again advised me that I would likely get my {$120.00} back, they just needed to go through their process. The next day. On XX/XX/XXXX, I received an email from XXXX  stating " It appears that person you were transacting with did not fulfill their end of the transaction. At this point, XXXX  does not allow peer to peer merchant related transactions and we do not offer any buyer or seller protections in these types of cases. These violations of our User Agreement are very high risk and can result in problems for our users. Please remember that XXXX is a simple way for friends and people who trust each other to send money, and it is not designed for uses beyond this purpose. When transacting with people whom you don't know or trust there is always the potential for problems to arise. '' I called XXXX and they stated they would not be helping to get my money back despite acknowledging that the person did not fulfill their transaction. '' A week later, on XX/XX/XXXX, the fraudulent account was still active in XXXX, likely continuing to take advantage of other people and steal their money using XXXX. I was able to track down the work phone number and email address of the person who's photo and name were being used by this fraudulent account. I sent that information to XXXX, filed a police report, and contacted the person who's identity was being used by this " verified user. '' Only after the person who's identity was being used called XXXX and I sent XXXX   information of my police report and the information showing that the account was fraudulent, did XXXX finally, on XX/XX/XXXX, send me an email that the fraudulent account that stole {$120.00} from me was frozen. 

XXXX has still refused to get my money back from this person. I had to file a complaint with my bank who is helping to get my money back from XXXX. XXXX  has since frozen my account and sent an email that I " owe them {$120.00}. '' This has been a terrible experience and XXXX has been completely unhelpful as they've allowed someone to scam me and continue to use their platform to scam others. Completely unacceptable business practice and terrible customer service.
Consumer complaint received 2023-11-16
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)

Hello accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX ) # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXX XXXX # XXXX The 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-16
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. (CA)

In XXXX I made a complaint against all 3 consumer reporting agencies about multiple unknown inquires that were made on my report. I filed it with the FTC as well. And while XXXX and XXXX fixed the problem and deleted the unknown and unable to verify inquiries, Experian has not and has not contacted me to let me know about the status of the disputing process. This is a direct violation of the FCRA and I demand these inquiries be removed inmmediately from my report.
Consumer complaint received 2023-11-16
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-08-16
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. (PA)

THIS IS NOT A DUPLICATE REPORT! 
It is YET ANOTHER COMPALINT generated by an email I received TODAY that further demonstrates the total lack of competence and the ignorance demonstrated by employees as far as addressing issues. 

The letter, attached, once AGAIN asks for the SAME INFORMATION that has been submitted to the reporting agency again and again - literally dozens of times. 

This is evidenced through the information being memorialized with this agency in complaints forwarded to the reporting agency that are on file. 

The reporting agency not only is not reading this material and accepting it, but continues to send " canned '' responses that are not clear to recipients. I have attached a copy of this document to this complaint, as well as notes within the PDF that point out the discrepancies. 

The letter asks the reader to " address the items needed at the end of the letter '' - but then fails to list ANYTHING. 

As stated above it also asks for demographincs, ID, file numbers, account numbers, copies of reports, utilities etc - THAT HAVE ALL BEEN SUPPLIED AND ARE ATTACHED TO THE COMPLAINT AND REQUEST TO BLOCK INFORMATION. 

EVERYTHING the reporting agency asks for IS IN THE ATTACHED DOCUMENTS. And there are over XXXX documents attached. 

There is a reference - totally out of place - within the email asking ONCE AGAIN for the report to be " filed with law enforcement. '' The reporting agency IS WELL AWARE AND HAS ADMITTED OVER THE PHONE THAT THE REPORT ON FILE SHOULD BE ACCEPTABLE - that both a " Law Enforcement '' ( XXXX ) report AND an FTC report is on file for EACH OF THE REQUESTS and that report ( FTC ) is CLEARLY highlighted showing the accounts. 

You can not file the same issue again. Once is acceptable. 

AND the police - who referred me back to XXXX when I asked to " file the report '' noted that THE CASE IS CLOSED AND THEY WOULD NOT TAKE A DOCUMENT ON A CLOSED CASE THAT WOULD NOT EVER BE REOPENED. 

FURTHER- they noted THAT THEY WOULD NOT TAKE THE REPORT ANYWAY IN ANY CIRCUMSTANCE AS IT INVOLVED A VULNERABLE ADULT AND CHILD AND WOULD BE AND WAS REFERED TO APS ( they have this report ) THEN AND NOW AS MANDATED BY PROPER PROCEDURE. 

The reporting agency continues to ignore this fact of law and in an attempt not to deal with the situation simply refers it back to the vendor - who then sends them the file with the same information. 

HOWEVER - THIS INFORMATION IS STILL BASED ON FRAUD. It is NOT ACCURATE IN THE MANNER THAT IT IS NOT MINE AND I DID NOT MAKE THESE PURCHASES! 

The XXXX report CLEARLY denoted this and it is a LAW ENFORCEMENT REPORT. 

The letter also CLEARLY DELINIATES that the complaint with the FTC is an acceptable form of a complaint that " subjects one to penalties '' as defined by the FCRA. 

The agency needs to BLOCK ALL OF THESE ITEMS IMMEDIATELY!
Consumer complaint received 2023-11-16
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. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX  Balance Owed : {$22000.00}.
Consumer complaint received 2023-11-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I wish to express my non-consent to engage in electronic communications and kindly request that all responses regarding this matter be communicated in writing through the United States Postal Service ( USPS ). As the complainant, I hereby authorize the Consumer Financial Protection Bureau ( CFPB ) to conduct a comprehensive investigation into the claim. In alignment with my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), I maintain the entitlement to dispute and seek the removal of inaccurate or unverifiable information from my credit report. Despite earnest efforts to obtain verification, the information provided has proven inadequate to substantiate the legitimacy of the purported debt. I respectfully urge a thorough review of this dispute, prompt attention to this matter, and the expeditious removal of the contested entry from my credit file. Additionally, I kindly request any available information regarding the steps taken to verify this debt. Your consideration and prompt response to this formal request are greatly appreciated. The details of the disputed debt are : XXXX XXXX XXXX  XXXX. Please remove this fraudulent account ASAP.
Consumer complaint received 2023-11-16
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)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-01
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: EQUIFAX, INC. (PA)

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 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 

XXXX XXXX with account number XXXX. This is reporting incorrectly. This account is paid off. 
XXXX XXXX XXXX with account number XXXX I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( XXXX ). 

Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number.

Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.

Please see the attached dispute letter sent over 6 months ago which is dated and time stamped.
Consumer complaint received 2023-11-16
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2024-03-25
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)

I am the co-signer of my daughters XXXX  loan with XXXX XXXX. Last year XXXX we reach out the when we found out my daughter would not be able to pay the full amount now that XXXX was over. She was paying {$420.00} per month and her new amount would have been {$820.00} per month starting XXXX. At that time she was unemployed and I had just retired so I couldnt help her. We were told theres nothing they can do until it goes to the collection dept. Meanwhile everyday they would call and I would tell the the same thing. My husband died in XXXX and I ask them to give us some time to grieve and get our finances together which they didnt because they were calling everyday and I ignore the calls. Finally I buried my husband in XXXX. In XXXX I finally responded to one of their phone call. I was told I was being referred to the account manager. We spoke. He took some information from me. He said I can put you in a program but you would have to pay XXXX consecutive payments of {$480.00} for the next XXXX months and then after that for XXXX years at a lower interest rate. I agreed and thought ok thats that. I notice I was still getting the phone calls but I ignored them because I know they have been getting the payments. Then my bank sent me a notice there was a drop in my credit score because of delinquent payments. I was surprise because I know they were taking out the payments monthly. I reached out to XXXX XXXX was told dont worry about it it will clear up after XXXX because thats when youll be finish with your third payment. XXXX come I go to apply for a car loan was denied because of recent delinquent payments. When I check my report there were XXXX delinquent payments because of there are XXXX loans. As a result I had to pay {$2000.00} extra to get a car loan because my credit score took a big hit because of what they reported. When I finally spoke to someone regarding what happened the only thing I was told was whoever I spoke with gave me wrong info and theres and outstanding balance that I need to pay to get me uptodate and stop the delinquent notice. That mistake cost me XXXX  of dollars and will be on my credit report for awhile. What about accountability. At no point in time did anyone that I spoke with mention me having to pay additional money to bring my account up to date until I reach out again after the XXXX delinquencies. How can you be delinquent while making payments?
Consumer complaint received 2023-06-19
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-04-25
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. (GA)

First date of delinquency XX/XX/XXXX on a joint account opened XX/XX/XXXX. I was co/signer on account. The account was never brought current and surrendered in XXXX. The account was closed XX/XX/XXXX and bankruptcy was filed by other party not myself. The account was reported closed and showed not reported until XX/XX/XXXX was vehicle was sold. During all of remainder of XXXX, XXXX, XXXX, until XX/XX/XXXX I was showing account closed. I opened a credit card with XXXX  XXXX and XXXX card through them doing this time. No late payments with no other company until this shows up as XXXX dates in XX/XX/XXXX. This has now denied me credit increases with them after saying I was recently late and this is false, I want it fixed due to its too old to report since my date of first delinquency was XX/XX/XXXX and vehicle was closed and sold. This is terrible to do this to someone for something so old