davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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. (NY)

I submitted a complaint last XX/XX/2023 and some got deleted there are still a lot of fraudulent items reporting. I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (FL)

On XX/XX/XXXXXXXX  I mail a disputed letter of no knowledge to debt to the requesting Agreement with the claimant Agreement the bears the signature which agreed to pay creditor Any insurance documents, Date original date of charge off/delinquency Verification that this debt was assigned or sold to collector. 
Complete account of alleged debt I haven't received any of the documents listed above. 
XX/XX/XXXXXXXX  I resend another letter notarized and certified mail with USPS requesting for the documents of proof of debt.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Dispute for the following Collection/Negative Accounts Reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to express my serious concern regarding the collection/negative accounts listed on my credit report under the account numbers listed above. I have meticulously reviewed my credit history and found discrepancies that demand immediate attention and correction. 

It has come to my attention that the information reported by your agency in accordance with the Metro2 format is inaccurate and inconsistent with my records. The accounts, as reported by Experian, do not reflect the accurate nature of the debt or my efforts to resolve it. 

I would like to point out that I have made multiple attempts to communicate with the creditor, and there have been documented instances of communication to resolve this matter. Unfortunately, the information furnished by your agency does not accurately represent these efforts. 

I kindly request a thorough investigation into this matter and prompt correction of the inaccurate information on my credit report. Under the Fair Credit Reporting Act, I am entitled to an accurate and up-to-date credit report. I trust that you will conduct a fair and impartial investigation to ensure the accuracy of my credit information. 

I appreciate your prompt attention to this matter and request that you provide me with written confirmation of the steps taken to rectify this situation. Your cooperation in resolving this dispute is crucial in maintaining the integrity of my credit history. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
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 did not open an account with XXXX  at any point and they showed up on my Experian credit report, at that point I disputed it as inaccurate and within one day they came back and said it was valid so I contacted an attorney to get in touch with XXXX  and verify the debt and they emailed back my attorney saying they have no recollection of the account ( I have the proof of this in the email ) so I then re disputed the XXXX  account to Experian yesterday ( XX/XX/23 ) and sent all the corresponding documents of them saying they have no recollection of the account and within a day on XX/XX/23 Experian came back and said they got with XXXX  and verified it as accurate which I don't see how that's possible because this isnt my account. I also reached out to XXXX  on XX/XX/XXXX and asked them to send me all the documentation to show that this belongs to me and I have not received any documentation back from them at all. 

They mention in the attached email that they needed the affected person to contact them and I had already done that and told them to deal directly with my attorney. I dont see how they can have no record of this account being mine but both XXXX and Experian are verifying it with this information. 


I can provide all this correspondence mentioned in my email and even had to get an attorney involved to try to settle this but Experian keeps immediately documenting it as verified.
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. ()

My name is XXXX XXXX and i was using my credit card from 3 years with XXXX and this year in 2022 I decided to get another credit card and i found out that there are multiple files are open on my credit file so i first contacted with Equifax I disputed many times and it started in XXXX and I never got any solution for it and in XXXX i decided to contact XXXX XXXX i ask them for my credit report and when i got it i saw incorrect information like addresses and phone numbers also car financing and some other inquiries when i sent the report back they said i have wait for 30 days to get your information update and i waited then I called them again after 30 days but they said i have to wait or XXXX to XXXX business days and i waited then I called again on XX/XX/XXXX and they said my ids are not valid so i have to send my passport and driving license and sin number! They mixed up my file with someone and they are not even trying to fix it so I would like to sue them for it if possible?
Consumer complaint received 2022-12-12
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. (CA)

I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and account status. I believe it was reporting in error. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$9600.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$3500.00}.
Consumer complaint received 2023-08-10
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 have attempted to resolve the inaccuracies on my consumer report with consumer reporting agencies ( TRANSUNION, XXXX AND XXXX ) for months. They have knowingly reported false information. I have sent them multiple letters via USPS certified mail with electronic signature, so I know they have received them ; I also have invoices. My consumer rights have been violated for months, and I require a resolution. According to the FDCPA and FCRA, these accounts must be DELETED, not UPDATED at this time, because they have not complied with the law. Among the provisions they have broken are 15 U.S.C. 1681 sections 611 ( a ) and 623 and 15 U.S. Code 1681i - ( Procedure in case of disputed accuracy ). They had 30 days to correct these errors, but they failed to do so. I am also aware that I am eligible for statutory damages ranging from {$100.00} to {$1000.00} per inaccuracy. 

The accounts that I am listing below are the ones that they are still illegally reporting inaccurate information on, and I would like them all deleted : XXXX : ACCT # XXXX XXXX  XXXX : ACCT # XXXX XXXX  XXXX : ACCT # XXXX XXXX XXXX XXXX : ACCT # XXXX XXXX XXXX : ACCT # XXXX
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MD)

Synchrony Bank refused to process my payment in a timely fashioned claiming insufficient funds available only after the payment due date. Upon contacting my bank, no such request for EFT to Synchrony was ever made causing my payment to be late and incur late fees.
Consumer complaint received 2022-12-12
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. (VA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL HAS 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 ) States : A consumer Reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 conviction of crimes which antedate the report by more then XXXX years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish my 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 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. ()

I deposited a check on XX/XX/21 via the mobile app. Normally I would have access to {$200.00} upfront and the rest would clear and be available the next day. With this check, there was no funds made available, and I was notified via app notification that the entire amount was placed on hold for at least 9 calendar days. This is an inordinate hold and gross misuse of power by Chase. 

I tried calling Chase twice on XX/XX/21 but was out on hold for for a total of over 3 hours. I was also told calling and waiting was the only way to get this resolved, and that they do not have capacity to handle all the calls they get. This seems predatory in nature and puts consumers in a difficult position where there are not able to work towards resolution in a reasonable manner.
Consumer complaint received 2023-08-10
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. (AZ)

I was contacted by XXXX  XXXX XXXX XXXX regarding a balance owed on XXXX {$2300.00} this was removed off my credit under XXXX  XXXX and they purchased the account I advised I have a police report and identity theft report and they advised they are adding this to my credit report today this is against the fair credit act and this is not accurate I was a victim of identity theft this account is from XXXX or XXXX previously was removed from my credit reports now sold to this collection agency this is also reported on an federal trade commission report attached
Consumer complaint received 2023-08-10
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. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, 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 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 with antedates the report by more than seven years.

15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-12-05
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. (NJ)

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

XXXX  Account XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the rights 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 reports 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 more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-24
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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-03-31
Product: Other financial service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (NY)

I purchased XXXX money orders from Western Union to pay bills. When I learned the payments had not been credited to my account, I contacted Western Union to trace them. Both had been cashed, but not by the payees I had made them out to. Instead, both money orders had been forged to change the payee and the payor. I asked to have my money refunded because Western Union says they will replace stolen money orders. They had me fill out more paperwork. I also provided them with a police report. They refunded XXXX of the money orders, but told me they could not refund the other because the Bank of First Deposit ( XXXX ) did not respond to their claim request that they submitted on my behalf and so they will not take any further action.
Consumer complaint received 2022-12-06
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. (NY)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NY XXXX ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX Balance {$13000.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$8300.00} XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}.
Consumer complaint received 2023-08-10
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-26
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 kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Consumer complaint received 2022-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am getting text messages from bank of america which I have never been with explaining that a transaction has been blocked and to follow a link. The text received as bellow Due to suspicious online activity, for your protection BofA has restricted your XXXXXXXX XXXX XXXX. Follow the steps here XXXX XXXX XXXX to update profile and reactivate account. 

I also dont own a debit card with them Phone number from text. XXXX
Consumer complaint received 2022-10-24
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. (CA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 2023-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (MA)

Received e-mail in XXXX from XXXX XXXX XXXX XXXX, a debt collection company. E-mail claimed that I owed PayPal the sum of {$1100.00}, claiming I withdrew funds from account before funds were paid out. 

To the best of my knowledge, I have not used any PayPal services in more than two ( 2 ) years, perhaps not before XX/XX/XXXX (? ). 

I contacted PayPal concerning the above, asking PayPal to verify the above statement and, according to PayPal, my account was in perfect order and I did not owe any funds to any person ( s ), company or corporation. 

Last week of XX/XX/XXXX I attempted to log into my PayPal account and found my PayPal account locked out. I contacted PayPal and they referred me to XXXX XXXX XXXX XXXX XXXX I requested from PayPal as to why my account was locked and PayPal would not give me any information and told me to contact XXXX XXXX XXXX XXXX XXXX 

I contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX told me that, according to PayPal, I removed all funds from my PayPal account before funds could be paid out to certain parties. 

I informed XXXX XXXX XXXX XXXX that something is wrong and I never purchased anything via PayPal. I only used PayPal to sell certain items and never purchased any items and that PayPal will not allow anyone to withdraw funds if money is owed. 

XXXX XXXX XXXX XXXX claimed they would look into the matter. XXXX XXXX XXXX XXXX would not identify any involved parties that I allegedly owed money to. 

Received letter from XXXX XXXX XXXX XXXX, postmarked XXXX XX/XX/XXXX, stating that XXXX XXXX XXXX XXXX had acquired this alleged debt, in the amount of {$1100.00} from PayPal and that now I must pay this alleged debt to XXXX XXXX XXXX XXXX XXXX 

A total of four ( 4 ) items are listed, in various amounts. All four ( 4 ) items were made on the same day / year. These four ( 4 ) items are not mine, and are not identified by XXXX XXXX XXXX XXXX except for a date and dollar amount. 

Since XXXX refuses to discuss this matter with me in any form, and since XXXX XXXX XXXX XXXX refused to identify actual parties making these alleged claims of funds owed, I believe one of XXXX ( 2 ) things are happening here : 1. Identify Theft being my PayPal account was hacked and this is a failure of PayPal to protect their account holders or 2. There is a collusion between XXXX XXXX XXXX XXXX and PayPal to make false claims to extort funds from account holders. 

I have reviewed XXXX XXXX XXXX XXXX ratings on the XXXX XXXX XXXX ( XXXX  ) website and there are numerous filings with the XXXX  of complaints against XXXX XXXX XXXX XXXX for fraud, exactly as I have described my situation.