davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I received notifications that chime reported a past due delinquency of XXXX $ for XX/XX/XXXX to the credit bureaus, upon research there were no transactions made on the accounts in XXXX. on XX/XX/XXXX I transferred XXXX $ to my credit builder account and transferred XXXX $ out of the account on XX/XX/XXXX. I have XXXX emails with chime trying to resolve this issue since XXXX. XXXX  responds back with a generic email stating the information has been updated even though it hasn't. In XXXX of the emails XXXX admitted a error occured and the delinquency will be removed when my credit report updates, I told chime my credit updates in real time and Experian, XXXX and XXXX states they never received any information in regards to a delinquency being removed, instead another delinquency has been reported for XXXX. 
This technical error that XXXX has made has caused immediate financial stress into my life. chime is refusing to acknowledge the fact the XXXX $ I owe is a error, on XX/XX/XXXX I added XXXX $ to my account on XX/XX/XXXX I transferred XXXX $ out of my account, that left my account with a XXXX balance. they werent any transactions or any balance due on the account since XXXX, XXXX balance and XXXX transactions and ontime payments were reported to the credit bureaus in XXXX XXXX and XXXX. In XXXX It stated I owed XXXX $ I called XXXX  and they stated it was an error I dont owe anything. Please have XXXX provide proof that I owe the XXXX XXXX You can not say I owe XXXX $ in XXXX when it wasnt owed in XXXX or XXXX. This is the same XXXX $ from XXXX, my account had a XXXX balance. my credit XXXX XXXX account was never a XXXX  balance, you add money and you spend the money you add. Please scroll down to page XXXX. I reported chime to the BBB. XXXX stated to the XXXX upon closure XXXX $ was debited and posted to my account. XXXX. I attached the statement of that, XXXX is falsifying transactions. I did not have a XXXX XXXX  balance on my account before closure or on closure day, there wasnt a negative balance sure.
Consumer complaint received 2023-07-23
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)

TO Whom it may concern : I recently received a copy of my Experian credit report, and i noticed some late payments posted on my credit report : In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 usc 1681 I ( 5 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Consumer complaint received 2023-04-30
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: Experian Information Solutions Inc. (NC)

The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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 2022-10-21
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (FL)

15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( XXXX ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; 1. Inaccurate Payment Status XXXX XXXX XXXX Account Number : XXXX Please Change Payments Status Too Paid as Agreed or OK. 

2. Fraudulent Account Reporting XXXX XXXX, XXXX. 
Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I received notifications that XXXX reported a past due delinquency of XXXX $ for XX/XX/XXXX to the credit bureaus, upon research there were no transactions made on the accounts in XXXX. on XX/XX/XXXX I transferred XXXX $ to my credit builder account and transferred XXXX $ out of the account on XX/XX/XXXX. I have XXXX emails with XXXX trying to resolve this issue since XXXX. XXXX responds back with a generic email stating the information has been updated even though it hasn't. In XXXX of the emails XXXX  admitted a error occured and the delinquency will be removed when my credit report updates, I told XXXX my credit updates in real time and XXXX, Equifax and XXXX states they never received any information in regards to a delinquency being removed, instead another delinquency has been reported for XXXX. 
This technical error that XXXX has made has caused immediate financial stress into my life. XXXX is refusing to acknowledge the fact the XXXXXXXX XXXX XXXX owe is a error, on XX/XX/XXXX I added XXXXXXXX XXXX to my account on XX/XX/XXXX I transferred XXXXXXXX XXXX out of my account, that left my account with a XXXX balance. they werent any transactions or any balance due on the account since XXXX, XXXX balance and XXXX transactions and ontime payments were reported to the credit bureaus in XXXX XXXX and XXXX. In XXXX It stated I owed XXXX XXXX  I called XXXX and they stated it was an error I dont owe anything. Please have XXXX provide proof that I owe the XXXX XXXX You can not say I owe XXXXXXXX XXXX in XXXX when it wasnt owed in XXXX or XXXX. This is the same XXXX $ from XXXX, my account had a XXXX balance. my credit card builder account was never a negative balance, you add money and you spend the money you add. Please scroll down to page XXXX. I reported XXXX  to the XXXX XXXX stated to the XXXX  upon closure XXXXXXXX XXXX  was debited and posted to my account. XXXX. I attached the statement of that, XXXX  is falsifying transactions. I did not have a XXXXXXXX XXXX balance on my account before closure or on closure day, there wasnt a XXXX balance sure.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I received notifications that XXXX reported a past due delinquency of XXXXXXXX XXXX for XX/XX/XXXX to the credit bureaus, upon research there were no transactions made on the accounts in XXXX. on XX/XX/XXXX I transferred XXXX XXXX to my credit builder account and transferred XXXXXXXX XXXX out of the account on XX/XX/XXXX. I have XXXX emails with XXXX trying to resolve this issue since XXXXXXXX XXXX responds back with a generic email stating the information has been updated even though it hasn't. In XXXX of the emails XXXX admitted a error occured and the delinquency will be removed when my credit report updates, I told XXXX my credit updates in real time and XXXX, XXXX and Transunion states they never received any information in regards to a delinquency being removed, instead another delinquency has been reported for XXXX. 
This technical error that XXXX has made has caused immediate financial stress into my life. XXXX  is refusing to acknowledge the fact the XXXX $ XXXX owe is a error, on XX/XX/XXXX I added XXXXXXXX XXXX to my account on XX/XX/XXXX I transferred XXXX $ out of my account, that left my account with a XXXX balance. they werent any transactions or any balance due on the account since XXXX, XXXX balance and XXXX transactions and ontime payments were reported to the credit bureaus in XXXX XXXX and XXXX. In XXXX It stated I owed XXXXXXXX XXXX  I called XXXX and they stated it was an error I dont owe anything. Please have chime provide proof that I owe the XXXX XXXX You can not say I owe XXXX XXXX in XXXX when it wasnt owed in XXXX or XXXX. This is the same XXXXXXXX XXXX  from XXXX, my account had a XXXX balance. my credit card builder account was never a negative balance, you add money and you spend the money you add. Please scroll down to page XXXX. I reported XXXX XXXXo the XXXX  XXXX stated to the XXXX  upon closure XXXX XXXX  was debited and posted to my account. XXXX I attached the statement of that, XXXX is falsifying transactions. I did not have a XXXXXXXX XXXX balance on my account before closure or on closure day, there wasnt a XXXX  balance sure.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The Attorneys sent me a letter stamp date XXXX XX/XX/2022. The indebted they claim I owe the sum of {$5100.00} ( reading it correctly ) and {$370.00} for the cost of the suit. 

To my recollection, I never opened up an account with Capital One. The letter is signed by an Attorney. I believe that my identity was compromised because I had my wallet stolen with important Identification a couple of years ago taken from my car, and my cell phone with important identity information. I just received this letter on the XXXX of XXXX, 2022. The Plaintiff states in the letter to give payment of debt on the XXXX of XXXX, 2022. 

I believe this debt to be incorrect ( I have not looked into the big three credit bureaus for any of this information as of now ) I thoroughly concede that this is identity theft to the fullest extent of the law. 
The letter forward to me : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, Florida XXXX File number : XXXX. 
This is the first letter I ever received from this Attorney. Never received other letters, or call regarding this debt at all.
Consumer complaint received 2022-10-21
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)

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX 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 2024-04-04
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. (PA)

In accordance with the Fair Credit Reporting Act, the company has violated my rights. Under 15 U.S.Code 1681 section 602 states I have a right to privacy. Also, under 15 U.S.Code 1681 section 604-2, a consumer reporting agency can not furnish an account without my written instructions. Without my consent, it means identity theft. As you may know, according to 15 U.S.Code 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for ANY PURPOSE. Continuing to furnish such information is a direct violation of the Fair Credit Reporting Act and all parties involved will be held liable for this misconduct. Failing to comply with the Fair Credit Reporting Act results in immediate deletion of the disputed information.
Consumer complaint received 2022-10-21
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. (MD)

In accordance with the fair credit reporting act XXXX XXXX XXXXL, # XXXX, XXXX XXXX, # XXXX. 
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 2023-07-23
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. (MO)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal. 

They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A sec. 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I have been disputing these accounts for months now. They don't respond to my requests and I'm beyond over it. 

I have included screenshots and letters that I have submitted to the bureaus.
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 — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft, my information was leaked during the Equifax XXXX break in 2017 and again in another breach with XXXXXXXX XXXX. There have been multiple fraudulent accounts opened. I have disputed these accounts multiple times with the CRAs and filed reports with the FTC for identity theft and Filed a claim with Equifax for damages.
Consumer complaint received 2023-07-23
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. (NC)

Account Name/Account Number XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 206 A. States I have right to privacy.

15 U.S.C 1681 Section 206 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


-XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

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 2023-05-16
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: EQUIFAX, INC. (TX)

I sent a dispute letter over 90 days regarding account XXXX XXXX XXXX XXXXXXXX. Please send me the proof that you ever did an investigation on this late payment. The only legal form of verification is a copy of their bank statement proving when my account was late. Unless you can furnish this, you need to remove this late payment due to inaccurate reporting.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the Equifax breach, XXXX breach and the black market, I need these to be removed.
Consumer complaint received 2023-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (TX)

It's been a few months that they won't let me log in to my paypal and now I received a letter and that according to what I owe them money, but they haven't let me log in for months and apparently someone logged in and changed the password
Consumer complaint received 2024-04-04
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. (TX)

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 2022-12-23
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. (CA)

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. 

XXXX XXXX XXXX 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 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 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 2021-06-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (OK)

On XXXX XXXX XXXX I transferred XXXX XXXX ( XXXX XXXX ) from my XXXX XXXX to Binance.US. Transaction code available upon request. I made a mistake on the memo portion of the transaction and although the currency was taken out of my wallet, it was not added to my account on Binance.us. i went to support and filed a " ticket '' ( ticket number available upon request ). On the support page it states clearly that in this case Binance.us will charge 5x transaction fee to correct the memo. I received a email from a third party named XXXX saying my ticket was in the queue. I waited until XX/XX/XXXX and refiled the ticket with more information like transaction number and acknowledgement of fee associated with correction of memo. They sent me a response email giving me a new ticket number XXXX. I then waited until XX/XX/2021 with no response. During this time frame the price of the currency grew by 80 %. I filed another ticket on XX/XX/2021 and received an email saying i was pushed to the back of the queue and would continue to do so if i filed any more. Since this time i have not been able to receive any information from them regarding my issue and the price of the currency has fell to below my initial investment price. My next step was to get into the live chat on the website which is a bot, never a human. and had my ticket " escalated ''. I have done this 4 times hoping to get this resolved. As of now its been over 2 months and i have yet been able to recover crypto or talk to anyone.