davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX account XXXX has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account # XXXX has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account # XXXX has violated my rights. 

XXXX XXXX Bankruptcy Reference # XXXX has violated my rights. 

XXXX  XXXX Bankruptcy Reference # XXXX has violated my rights.

15 USC 1681 section 602 A 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 accounts without my written instructions. 



Resolution : Delete this/these accounts unless you want to be held accountable for {$1000.00} per account
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. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX account XXXX has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account # XXXX has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account # XXXX has violated my rights. 

XXXX XXXX Bankruptcy Reference # XXXX has violated my rights. 

XXXX  XXXX Bankruptcy Reference # XXXX has violated my rights.

15 USC 1681 section 602 A 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 accounts without my written instructions.

Resolution : Delete this/these accounts unless you want to be held accountable for {$1000.00} per account
Consumer complaint received 2023-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

on XX/XX/2023 I saw an offerup listing for XXXX XXXXXXXX XXXX  XXXX for {$530.00}, we do the transaction by paypal as it is a safer payment method. I said to the seller that I would pay {$40.00} for the shipping through friends & family and the rest through goods & services, but she demanded {$60.00} so I just agreed to it and payed {$63.00} because there is {$3.00} fee. this money is sent to XXXX and the fund will be available on XX/XX/XXXX so there is still time. After it she sent me the not complete tracking number and demanded {$100.00} more for the full tracking number, so with my kindness I paid {$100.00} more to XXXX with paypal again. then she sent me XXXX tracking number but after some day, It got delivered but not to my address. I contacted her and she said, she will contact XXXX and she just told me to wait for it but until now ( XX/XX/XXXX ) I still havent got the phone and she blocked me off
Consumer complaint received 2023-12-27
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Chime Financial Inc (NY)

Claim ID : XXXX XXXX XXXX XXXX, account close. 
Is there a refund confirmation number available? If so, what is it? Account XXXX They first time so nice, but they know me to dispute it, they dont answer They say refunded to the deposit source if applicable, I dont get it, my debit card is updated, the number not much, right now they dont do anything, they just lied to me, no more help, I send them email, they dont respond, Proof of promised refund such as credit voucher or refund acknowledgement. I have pictures, and my account has been locked, and the how much money, and they say gave me the funds to deposit source if applicable
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2021, I attempted to make a store purchase with my American Express Bluebird prepaid debit card and it was declined. I tried to check my balance with the Bluebird phone app and it wouldn't allow me to do so. Instead, a comment would pop up stating something about the username and password are not correct. ( I'm sending a photo of the statement. ) I then received an email from Bluebird stating that my account has been suspended for a violation of section " 22D '' and they provided a customer service XXXX number if I had any questions. A minute later I received another email was stating that a dispute was denied for purchases that were made from XXXX that I had called Bluebird about because they were fraudulent and were supposed to be investigated. Apparently, charges in the amount of {$510.00} were made on XXXX with a XXXX XXXX that I had I had used before and was canceled due to receiving a new one. When the XXXX card did work, XXXX charged my Bluebird card for the purchase. I explain the matter to Bluebird and they told me that it would be taken care of. After receiving the emails, I called the number that was given for customer service. They stated that the explanation for the suspension is in the email but the email states to call customer service. When I requested the balance in my suspended account they told me that I would have to mail them a letter requested my balance. I have not received any more help and they refuse to take my calls asking for an explanation.
Consumer complaint received 2023-10-09
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)

ON XX/XX/2023 I requested a blocking on accounts being furnished on my consumer report, I also provided an Identity Theft report with the complaint to Experian. Today XX/XX/2023, XXXX set. I received a letter from Experian denying my rights to a Block on these on accounts reporting because of Identity theft. Also they are acting in bad faith, the day that I requested my complaint, provided a copy of the Identity theft report. That was file with the FTC, also proof of address, Identification ( drivers license ), copy of my social security card, and a copy of a CFPB report. Now they are using a stall tactic asking for the same information that they are asking for. I have uploaded a copy of the stall tactic letter, for the response for my Block that I requested myself. Also, ID, proof of address, social security card, FTC report and CFPB report. My initial complaint reads as follow There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have included my current credit report, Drivers License, Social security card, proof of address, FTC complaint, CFPB complaint, and the email that I received denying me my rights to a BLOCK, also explaining the stall tactic asking for information that was provided from the beginning
Consumer complaint received 2023-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I recently reviewed my report and notice unauthorized inquires on my report I have sent letters to each company and has still not received and validation. I also submitted my FTC report and have yet to receive a response. These unathorized inquires needs to be deleted 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 XXXXXXXX
Consumer complaint received 2023-10-09
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. (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-09
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. (NY)

The wait is over. It's been couple of months that credit bureaus have not responded to all the letters Ive been mailing them since day one. I was expecting for them to get back with me with the reinvestigation process that I have requested but I never received any single reply from them.

I am disputing these inaccurate accounts below and Im hoping that they would promptly delete these invalid accounts from my files. 

XXXX - XXXX XXXX - XXXX
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The wait is over. It's been couple of months that credit bureaus have not responded to all the letters Ive been mailing them since day one. I was expecting for them to get back with me with the reinvestigation process that I have requested but I never received any single reply from them. 

I am disputing these inaccurate accounts below and Im hoping that they would promptly delete these invalid accounts from my files. 

XXXX - XXXX XXXX - XXXX
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

In accordance with the fair credit reporting act 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 a account without my written instructions.
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MS)

In XX/XX/, my husband and I opened a checking account with Wells Fargo and still maintain it. As with most banks, we were given the choice to opt in or out of overdraft protection. We opted out of overdraft completely. However, on all of our statements, overdraft was clearly allowed and we were responsible for the fees accrued. I have recently learned this was an issue for a significant number of customers. Since there is an advisory against including personal information, I will not send statements, but I will gladly share them privately.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

Due to a domestic violence situation in XX/XX/2021 I was unable to pay my bill on time. My finances were compromised by another individual who I was intimately involved with. The police had gotten involved and were able to retrieve my finances. Due to me not being in control Id like for the late payment of XX/XX/2021 to be removed from my credit report as it has negatively impacted my score.
Consumer complaint received 2023-09-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NH)

Received a XXXX American Express Virtual Card in the amount of XXXX from my employer. 
Although the card claims to be valid everywhere that American Express is accepted, it is declined 99 % of the time. I have a Balance of {$300.00} I can not use anywhere. 
The customer service number only offers an IVR with no solution and no option to speak to a person for a resolution.
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: Experian Information Solutions Inc. (CA)

I AM VICITM OF AN IDENTITY THEFT, PLEASE ACCEPT MY TRUE STATEMENT. FOR YEARS NOW I HAVE TRIED NUMEROUS TIMES TO RESOLVE THIS ISSUE WITH THE CREDIT BUREAUS AND THE ACTUAL INDIVIDUAL CREDITS, BUT SEEMS LIKE THEY ARE NOT NOT HEARING MY COMPLAINT. WHEN A THIEF STEELS YOUR INFORMATION ITS ONLY OBVIOUS THAT THEY HAVE ALL CORRECT INFORMATION THEREFORE THEY ARE ABLE TO OPEN FRAUDULENT ACCOUNTS USING THE VICTIMS INFORMATION. PLEASE NOTE THAT I AM VICTIM OF AN IDENTITY THEFT, AND SOMEONE I DON'T KNOW WHO STOLE MY INFORMATION BUT THE FACT OF THE MATTER IS THAT MY INFORMATION WAS STOLEN AND THE ACCOUNTS WERE OPENED. I THINK AT THIS POINT THE CREDIT COMPANIES WERE NOT CAREFUL ENOUGH TO SEE WHO WAS REALLY APPLYING FOR THE CREDIT. HOW IS THIS MY FAULT.
Consumer complaint received 2023-10-09
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)

In 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.

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 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

Spoke to representative XXXX on XX/XX/XXXX regarding my Discover Miles card. Was told the card was scheduled for closure. I've been with Discover since XX/XX/XXXX, never missed a payment. I recently replaced my card and was told that was the reason for the closure. This is an absolute lie. The only reason is because Discover does NOT want to pay out on the rewards I've accumulated.
Consumer complaint received 2023-10-09
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. (NY)

The wait is over. It's been couple of months that credit bureaus have not responded to all the letters Ive been mailing them since day one. I was expecting for them to get back with me with the reinvestigation process that I have requested but I never received any single reply from them. 

I am disputing these inaccurate accounts below and Im hoping that they would promptly delete these invalid accounts from my files. 

XXXX - XXXX XXXX - XXXX
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (AZ)

I have been a victim of identity theft, I made XXXX, XXXX and XXXX aware of this since XXXX of XXXX. They Have ignored my notices and request to remove the fraud from my consumer report. The 30-day and 60-day time frame for a reasonable investigation as past. If items can not be verified within 30 days it must be removed. failure to provide proper validation of the alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ), debt collectors are required to validate debts when requested by the consumer. Also 15 USC 1681 c- 2 they must block all item that came from fraud in 4 business days which has also passed. I am requesting all Items be deleted immediately. I demand that the following account be verified or removed immediately : XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX. Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX and XXXX XXXX have 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 instructions.
Consumer complaint received 2023-10-09
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)

On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XX/XX/XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There was a hard inquiry completed by XXXX XXXX XXXX ( XXXX XXXX ) on XX/XX/23 under my identification : Trans Union reporting : best resolution is to hard inquiries remove from the Trans Union reports from XXXX XXXX XXXX - submitted XX/XX/23
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive been repeatedly dealing with the same issue for several months now and the reason why I am constantly contacting Consumer Reporting Agencies from the start, is to inform them multiple times that these incorrect and inaccurate accounts shouldn't be added nor placed on my credit report : XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX