davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-30
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. (SC)

I am a victim of the Equifax breach. I found out on Equifax XXXX I have already had issue with a false XXXX debit card filing under a womans name. 

I want to enter arbitration with XXXX with credit monitoring and such. This seems like tip of iceberg. NOW i have finally got my credit score better..I face ID theft. 

XXXX XXXX
Consumer complaint received 2023-05-31
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-01-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (NY)

I HAVE TRIED TO WITHDRAW MY FUNDS FROM THE GEMINI XXXX XXXX SEVERAL TIMES IN THE MONTHS OF XXXX, XXXX, AND XXXX OF 2022. I CAN STILL SEE MY FUNDS ON XXXX XXXX BUT CAN NOT WITHDRAW WHEN I CHOOSE THE OPTION TO SEND FUNDS TO MY BANK ACCOUNT.
Consumer complaint received 2023-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

According to the Fair Credit Reporting Act, Transunion is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report. 

Transunion needs to verify through the physical verification of the original signed consumer contract on all accounts they are reporting on my credit report. I have sent Transunion XXXX letters starting in XXXX asking them to provide proof of the debt they are reporting. I requested Transunion to provide a copy of ANY original documentation ( a consumer contract with my wet ink signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Transunion have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). They told me they have " asked '' the  alleged creditor to validate the debt, insteading of having a copy of the original creditors documentation on file to verify that this information is mine and is correct. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

With each account that has been reported due to their neglect on having physical verification of the original signed consumer contract, has personally and financially harmed this consumer in obtaining credit through financial institutions. I am asking for a XXXX dollar settlement for each account that Transunion has reported in error and for Transunion to take immediate action in removing all items from my credit report where they can not verify through the physical verification of the original signed consumer contract.
Consumer complaint received 2017-05-05
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. (VA)

XXXX   XXXX   dob   XX/XX/XXXX  SS #  XXXX   X/X/XXXX  Transunion,    XXXX   and  XXXX  will not investigate my unauthorized inquires on my report. They will not validate the inquires and they continue to ignore my request to deleted the unauthorized inquires. It has been over  XXXX  days and by law they must deleted them all. all they do is say validated with no proof!!!!! who validated them give me a name and date and phone number of the person.       XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX      XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   - -   XXXX   XXXX     XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   - -   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Delete all my unauthorized inquires from my credit report
Consumer complaint received 2023-05-31
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX A XXXX 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 2022-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (UT)

I posted a Brand New Unlocked XXXX XXXX XXXX XXXX for sale on XX/XX/2022. I was asking {$1000.00}. On XX/XX/XXXX I received a offer from a buyer for {$800.00} cash. I said I would accept that. We set up the time and place to meet. Then a few minutes before we are meeting he sends me a message saying he couldn't make it but his wife was meeting me. Upon arriving I was then informed he wasn't able to pay me in cash but venmo only. He asked his wife to verify the XXXX  number and I also sent him a screenshot of the XXXX which he verified and then proceeded to send me the payment. Two days later he tried saying that the phone was locked etc. Then he even had a " XXXX employee '' get on the phone with me. The supposed employee had the EXACT SAME ACCENT as both him and his wife which is obviously very suspicious so I hung up and called XXXX myself. XXXX confirmed that the phone was unlocked and they also confirmed that someone was actively using the phone as well. This customer filed a dispute with venmo and even though I submitted all documentation they requested they refunded the scammed and then froze my account. So now the scammed turned around and sold the phone to someone else. There is a transaction on his account AFTER winning the dispute where he sold the phone. I'm a XXXX mom trying to survive in this messed up world. This is literally going to destroy me and my daughter. He got a brand new phone that's worth {$1200.00} and he got his money back!!! He verified the phone before paying me. He scammed me. Why is he allowed to keep the phone? And the money? Venmo is facilitating this person so he is able to scam me. That's fraud! Where's my seller protection?
Consumer complaint received 2023-05-31
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. (MI)

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

Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States 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 Statesno consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of informationother than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C1681s-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 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I received a letter from Truist dated XX/XX/XXXX in which they still keep missing the point that a considerable amount of money was HACKED from my account around XX/XX/XXXX and very likely again around XX/XX/XXXX. I had documented this complaint under my previous, now hacked and closed email of XXXX. They miss the whole point of them ADMITTING my account was compromised, that they denied me since XXXX XXXX, XXXX up until XXXX to unlock my online banking to see how much money the hackers took ( one bank official actually speaking to their fraud dept. said " how much did they take? " ). They only give me partial statements for XXXX starting AFTER THE FRAUD ALERT FROM XXXX dated XX/XX/XXXX ( copies previously emailed to CFPB ) and for XXXX starting on XXXX XXXX, XXXX, the day that approx. over {$45000.00}! Were electronically deposited from the sale of my house in XXXX FL. A week later {$6000.00} were added by the same company from the house sale for a total of at least {$51000.00}!. I had over {$8000.00} minimum on the day I had to replace the tire in XXXX XXXX on XXXX XXXX, XXXX the same day a {$250.00} XXXX transacton was found to be a fraud alert. My car payment for just over {$1000.00} bounced as no funds by XXXX XXXX, XXXX. And they actually accessed me overdraft fees which they so kindly and " innocently '' reimbursed like if all the money that was taken out electronically by a hacker or very likely even one of their own employees or completely missed and definitely COVERED UP by THEM most likely due to failure to follow procedures or have a safe system! 
The money XXXX to XXXX XXXX ( one of the suspects of the hacking btw ) was for house improvement work that was never done and thus I requested the money be returned. 
BUT THAT IS WAY BESIDES THE POINT!!!! THE POINT IS THAT THEY KNOW MONEY WAS ILLEGALLY TAKEN OUT OF MY ACCOUNT AND NOT PUT ON THE STATEMENTS, THAT THEY MOST LIKELY FALSIFIED THESE DOCUMENTS, THAT THEY NOW WONT GIVE ME THE FULL ACCOUNT NUMBER, AND THEY THINK I AM SOME SORT OF MORON!! 
HELLO!! I am a XXXX XXXX  XXXX who took advanced calculus in college and went to private gifted children schools!!! And you dont need a rocket scientist to figure out that it is IMPOSSIBLE to have {$51000.00} and all be gone in less than XXXX months with the amount of money spent! Even after the car down payment ( {$14000.00} ) and the first, last and XXXX months deposit of a rental house ( {$9100.00} ) and the {$4000.00} for moving expenses. 
And the other {$2000.00} they keep talking about to avoid the REAL SUBJECT was a scam. But now I am even wondering if the scamming started as soon as closed on the house in XXXX on XXXX XXXX, XXXX. 
They referrence CFPB XXXX XXXX XXXX in their pitiful XX/XX/XXXX letter. 
I WILL GET A LAWYER AND SUE THEM!! Because all your agency does is agree with them and Close every case without contacting me first! So I will sue you too
Consumer complaint received 2023-05-31
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (AL)

Convergent outsourcing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX has been sending me collection notices of XXXX the collection is being reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature on it.
Consumer complaint received 2023-05-31
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX 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 2021-10-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARC Management Group, LLC (GA)

I received a notification about a file placed on my credit without written notification from ARC MANAGEMENT GROUP. I am not aware who are what this debt is. ARC MANAGEMENT GROUP HAVE 7 days to furnish such contract between myself and them and they must stop all reporting on my credit file. I will file a lawsuit against such company
Consumer complaint received 2024-04-10
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (FL)

I rent an apartment I move out make sure I clean before I move out, I had pictures when I move in and pictures when I move out, the original creditor which is XXXXXXXX XXXX XXXX, tried to come up all this fake charges, and they reported to my credit, i paid it off because i didnt want my credit to messed up despite explaining to them I dont have this debt i paid {$2800.00} on XX/XX/year>
Consumer complaint received 2020-02-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aargon Agency, Inc. (CA)

This phone number is not associated with a human. They repeatedly call this phone number and tell me to call a different 1-800 number back. 
Their last call to me was for my phone number XXXX XX/XX/2020 XXXX. Their number they called from is XXXX. Tyey want me to call back to XXXX XXXX XXXX. 
The name they are collecting from is no one in my family.
Consumer complaint received 2017-10-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

The mortgage company ( Chase ) is going to force us to take their insurance in 21days from their notice dated XX/XX/17, though we have our insurance already. Chase Bank claim that the insurance we have does not satisfy them because the property address on our insurance is incorrect. However, the address we have is correct and what they have is incorrect. 
Our property address is : XXXX XXXX XXXX XXXX, XXXX CA XXXX, which is on our property tax bill and on escrow closing paperwork. 
Bank is claiming, our address should be : XXXX XXXX XXXX XXXX, XXXX CA XXXX There is no XXXX XXXX XXXX in XXXX. 
We have been telling them many times, but they keep telling us they will force us to take their insurance if we do not change to incorrect address. Documents we sent them few times are attached. Thank you very much.
Consumer complaint received 2023-05-31
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. (CA)

Despite the multiple previous written requests, the unverified the following items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTs? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed... XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$22000.00}
Consumer complaint received 2020-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-03-01
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. (GA)

I have reviewed my consumer reports and noticed that I had two late payments on an account I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information in the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside the complaint in on dates of XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as the should be due to the fact I was never late. Thanks! Please see attachments.