davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Dear Experian, On XX/XX/XXXX XXXX I submitted a request for investigation under FCRA 611 ( a ) to Experian regarding the following accounts on my credit report : XXXX XXXX XXXX Account Number XXXX, XXXX XXXX- Account Number XXXX, XXXX XXXXXXXX- Account Number XXXX In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as Experian has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that I cant even get a credit card or a loan in my name. 

Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that Experian delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. 
I am requesting that Experian provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract.

I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of Experian. Please note that I intend to pursue legal action if this matter is not resolved. 
I would like to remind you of Dixon-Rollins v. Experian Information Solutions , inc. ( 2010 ) and Miller v. Equifax Information Services LLC ( 2013 ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that Experian will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. 
I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. 
Best regards, XXXX XXXX
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (KY)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX 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
Consumer complaint received 2023-05-05
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (WA)

XX/XX/year> XXXX ) Using the Venmo app, I attempt a {$750.00} deposit ( immediate deposit via debit card for which I'm the owner ), it fails 2 ) I attempt lesser denominations until {$100.00} works 3 ) I attempt a 2nd time with other amounts bigger than {$100.00}, it didn't work 4 ) I attempt a 2nd time with a {$100.00} deposit, it works again.

5 ) I attempt a 3rd time with other bigger amounts, fails again.

6 ) Since I start to get suspicious and no longer trust the platform I withdraw the {$200.00} 7 ) I open a ticket for them to investigate why it is at their will t
he functionality of depositing money.

8 ) Account gets suspended with the pretext of " user terms '' violations, without any explanation whatsoever 9 ) The notice of account suspension comes with a set of instructions that include uploading a photo of my ID and changing my password. I followed the instructions exactly as written, gave ( AGAIN ) my ID to their system, even with a selfie, and changed my password.

10 ) repeatedly attempted contacting them by phone, email and chat. No answer and when there is one, they just wash their hands claiming that " specialists '' are working on it and there will be a " resolution '' ( which is not stated to be an unfreezing of the account or that I'll be given MY MONEY back ) in the next 3 to 5 business days with a total disregard of me, my time and the money I already worked for. 

XX/XX/year> XXXX ) again, repeatedly attempted contacting them by phone, email and chat, still no answer other than " wait ''. Why would I have to wait for them to resolve something that they caused in the first place?
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I recently reviewed my credit report and I noticed accounts on my report that are not mines. The credit bureaus are violating the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy They are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. I never gave them permission to list these accounts on consumer report. Congress said I have the right to decide what I deem private. I deem any information on my account to be private, and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
Consumer complaint received 2023-05-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Markoff Law LLC (MI)

Markoff Law PLLC served me a summons on XXXX XX/XX/XXXX dated as issued on XXXX XXXX XXXX with only 28 days to answer the summons. I was not only served over a month after the issue date of the summons but I also do not recognize the debt and have never received any verification of this debt by Markoff Law PLLC. By law I am legally allowed to ask for verification and be provided verification of a lawsuit prior to being served. I have never received one thing about this debt from XXXXXXXX XXXX in the mail or even a phone call. The debt is for an alleged amount of {$2500.00} according to the summons. The APR is 159.57 % which is outrageously high and usury in the state of Michigan. The loan number on the summons is redacted as well as the customer number so I can't even call to try and get information about this alleged debt to find out what it is. The signature on the loan is digital and not wet and was signed electronically when I was actually in XXXX XXXX XXXX  on XXXX XX/XX/XXXX. There is absolutely no way that I signed for this loan or that it is mine. This debt is fraudulent and the debt collector is trying to fraudulently collect this debt through illegal methods. I have never verified this debt nor have I even heard of it.
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

Equifax is erroneously reporting inaccurate information regarding my real estate loan with CitiMortgage. My account is open, with a balance, and is in good standing. However, Equifax reports that it has a zero balance, inaccurate payment history and is not in good standing. XXXX and I have repeatedly sent Equifax documentation ( attached ) to provide them with correct information but they continue to report incorrectly. Equifax continues to report erroneous information on my account regarding this account. 

Attached : Equifax reinvestigation confirmation XXXX dated XXXX XXXX, XXXX ; My letter to Equifax dated XXXX XXXX, XXXX, XXXX of the letters that XXXX sent Equifax dated XXXX XXXX, XXXX.
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc (NY)

On XX/XX/21 I spoke to XXXX XXXX XXXX XXXX and XXXX to close my paypal account and they did not close the account. XXXX stated i did not verify my identity. 
I want my account closed {$25.00} for my time and trouble The {$32000.00} refund sent to my bank, cryptocurrencies sold and proceeds mailed to me by check. I can not and will not do business with paypal as they repeatedly have failed to cooperate in good faith. If they try to cheat me on the cryptocurrency sale or proceeds i will coplain to the federal government.
Consumer complaint received 2017-11-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Hello, I am writing in regards to an old credit card account I had with XXXX XXXX XXXX. I held a credit card with XXXX which was opened in XX/XX/XXXX, then closed in XX/XX/XXXX. This account I held in good standings and was never late on a credit card payment. 
The account was closed due having to file a chapter XXXX bankruptcy on XX/XX/XXXX. The account was closed and I received a discharge in bankruptcy on XX/XX/XXXX. 
This account was included in the chapter XXXX, and discharged along with other debt. All of my credit reports list my public record and reporting of the chapter XXXX discharge. 
I actually had asked my attorney if I could keep this card open to rebuild my credit but was told I could not, and that it had to be included, as all outstanding debt needed to be. I wanted to keep this card as I had never been late, nor ever missed a payment on this account. I only know the last four numbers of the XXXX acct were XXXX. I have done very well since my chapter XXXX and have a 100 % payment history. 
This account is still being listed in my XXXX and my Experian credit reports. I have filed numerous disputes and have received no deletion of these reporting. They have also continued to update the accounts at last XX/XX/XXXX. They do not report anything about this account as far as my payment history which was perfect. It is listed as to just harass. I have gone to XXXX directly and the bureaus regarding this issue and nothing has been done. 
As stated this account was included in on my discharge. When you decide to file a bankruptcy it is a devastating report to your credit file in and of its own that lasts 7-10 years. This is the price you pay for what was done and is stiff enough penalty on its own however, XXXX has reported on this account as recently as XX/XX/XXXX and it is a violation of my discharge injection to report again on debt discharged in Bankruptcy. This account also because not removed from my report lists as a separate " NEGATIVE '' item, along with the bankruptcy therefore I am being penalized twice for this account. 
Can you please help me? As I stated I have disputed with the bureau and with XXXX so I am not sure how to get this error removed. 

Thank you XXXX XXXX
Consumer complaint received 2023-01-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC (NY)

Harassment by : Credit Management Company XXXX XXXX XXXX XXXX XXXX  XXXX Owe {$200.00} Act # XXXX Billing Customer : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX agree I owe XXXX and have spoke with XXXX XXXX XXXX no cooperation as to why they do not provide a paper or electronic statement. Their answer is they don't send statements because its a medical bill and they will see my medical history due to hippa law, its not true they have sent me that already they just need to do a billing statement. They keep repeating I need to either pay over the phone with a credit card, or send it to their po box . I had paid XXXX payments XXXX XX/XX/XXXX ck # XXXX & XXXX XX/XX/XXXX ck # XXXX bringing balance to XXXX and stopped because of no statement to show me my new balance. I called again XX/XX/XXXX and was told the same story. I find this absurd that a business gives you a po box to send money to or pay over the phone with credit card with no billing statement. I would like to see my balance and know they are legitimate. I found a lot of complaints online as well. I am being harassed numerous times a week with recorded message. Phone calls have become a invasion and disturbs me at my work place. A legitimate billing statement would work and I can pay this bill. I look forward to your assistance with this as it just goes round and round - XXXX XXXX
Consumer complaint received 2023-05-16
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)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2017-03-27
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a credit with capital one and they reported a credit card payment of 30 days in XXXX of 2017 but they charged a late fee in XXXX which was refunded back to me because it was an error but they will not remove the 30 day late payment in XXXX
Consumer complaint received 2023-05-16
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. (TX)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-05-05
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. (FL)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

these liens where cancelled what is the same as with drawn if the credit bureaus now report withdrawn / cancelled they need to show that they are showing released what is incorrect reporting the report should show withdrawn/cancelled and should be removed from my credit report immediately Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00}
Consumer complaint received 2017-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This is not mine. I did not receive care nor have they sent me anything, even though it has been asked many times, to show this is my debt. Other than the itemized statement, which is something I could easily make up..     I would like to see signed documents or original paper work with my signature, ID something to show proof.
Consumer complaint received 2023-07-04
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 my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX Auto loan. XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX phone # XXXX. 
We opened the account in XX/XX/2013 for {$26000.00}. The loan was paid for over 3 years and then we had a hardship and voluntarily returned it to the creditor. They should have only had the remaining balance owed showing on our credit report ( which should have been about {$12000.00} ). The vehicle was sold at auction and I felt after a few years they could have removed it from our report. It's now been 7 years and it's still showing as a charge off/collections. The amount that is showing on the report is more than the original loan amount - {$27000.00}.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (AZ)

I've contacted Chase multiple times with zero resolution. They have tried to allege that they charged me interest for " not paying my balance in full '' when 99 % + of my balance was a 0 % interest balance transfer. I hardly ever made any purchases using this card and when I did, I paid them in full. Chase still charged me interest. Furthermore, on XXXX XXXX XXXX  I updated my auto-pay to my new bank details, but Chase still incorrectly tried to take payment from my old ( closed ) bank account. I contacted them on XX/XX/XXXX and spoke to XXXX. He said they had a system glitch and updated the system with the notes. The payment issue was resolved but it appears they then used THAT issue to continue charging me more fraudulent interest.
Consumer complaint received 2023-06-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC (MI)

I lost my job and my family was Evicted from XXXX XXXX XXXX I forgot about credit card because of homelessness.Landlord Said my mail should be sent somewhere else I am in XXXX now seeking employment living I a shelter.I was and still unable to pay I think it said XXXX XXXX when I was employed I paid bit how can someone pay any bills with out and job or a home to live in?
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

There are XXXX hard inquires from Capital One Bank back to back. I only applied once through them. There should n't be XXXX. ( see hard inquiries on report ) Also, I 've tried to file a dispute with XXXX online, however the security questions they ask me end up saying my answers do n't match the information on file and I am unable to get any further.
Consumer complaint received 2017-11-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (DC)

In XX/XX/XXXX I sent an invoice from our company to a client. In early XX/XX/XXXX one of our vice presidents e-mail account was hacked and unbeknownst to him was used to send collection letters and a request to be paid with an ACH transfer. The hacker, using the e-mail account, completed an ACH request form and asked our client to send payment for the invoice which was in excess of {$30000.00} to a JPMorgan Chase account. Our company does not have an account with JPMorgan so this was clearly an attempted fraud. The form gives the JPMorgan account number, routing number, name on the account and the same of the authorized signer on the account which was a version of the name of our XXXX XXXX. Our company name and contact information was also on the form. Our client happens to have a policy to call when ACH information changes so the attempted fraud was stopped this time. 

I called JP Morgan Chase to report this attempted fraud in hopes that they investigate the account so that they can find out if the owner is really the person on the account. If they can find the owner, we would like to take action for this attempted fraud so that it does n't happen to someone else. JP Morgan would not discuss this with us because we are not a customer. Hopefully, there is some kind of way to encourage companies to participate in fraud prevention using information provided from anyone that has it. It was so disturbing that they would n't even look at the problem that I believe that if you are trying to use a bank to commit fraud, JPMorgan Chase is the bank for you.