davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
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: Experian Information Solutions Inc. (NY)

Date : XX/XX/XXXX Amount : {$180.00} Date : XX/XX/XXXX Amount : {$2300.00} Date : XX/XX/XXXX Amount : {$38000.00} Action Taken : Yesterday, I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXXXXXX XXXX  to inquire if the disputed/questioned/ challenged/ or still unproven compliant information YOUR firm is required to provide to them was being processed. I was aptly informed that none of the above-detailed entities agree that you acted LAWFULLY much less COMPLIANTLY to federal reporting laws upon dispute/challenged/or compliant of possible mis information upon a consumer credit report. Fact is, per these entities above listed, absolutely NO SUCH information had been received by them from you! UNMISTAKABLY, This is a clear breach of the FCRA and the FACT act not even to mention irrefutable ignorance to the mandates of the Metresult of the CRSA. 

I am VERY KNOWLEDGEABLE of my consumer rights and most importantly of your MANDATED OBLIGATIONS as related to consumer complaints. NAMELY you are required to transmit this information to the creditor in a federally defined timely fashion and ensure the creditor responds back equally in the federally defined timey fashion. OBVIOUSLY, to me, YOU, and likely JURISDICTIONAL CIIVL COURT to which I might elect to file suit versus you b your infringements, in this case you have failed- MISERABLY so in fact! 

FURTHER, YOUR that your failures AND THAT OF THE ABOVE NOTED ALLEGED DATA PROVIDERS is undoubtley and clearly significantly impacting my credit score. 

Experian is also purposely sending an automatic generic response to delay and stall their response to send me what I am asking for. I am representing myself only. I am NOT a third party entity.
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (SC)

On XX/XX/2021 I reviewed my XXXX XXXXXXXX XXXX Checking Account. Only to find two counts of Unauthorized Demand Draft. I contacted the bank fraud unit asap. I placed a stop on the demand draft, due to both where unauthorized and ordered a new debit card. The bank has filed the claim under, claim # XXXX. I then contacted the local XXXX SC Sheriff 's Department and filed a report Case # XXXX. Then I contacted XXXX and XXXX XXXX office of the South Carolina Attorney General 's Office. I was told The South Carolina Attorney General 's Office couldn't help. And I should contact, The United States Attorney General 's Office - District of Columbia. I'm sure you understand bank fraud and unauthorized demand draft fraud is a Federal Crime, I would like to seek criminal charges. Unfortunately the bank paid both illegal drafts, I have no clue who they are, but they used PayPal to draft my account. The purchase ID # 's are on my statement and also filed with the Fraud unit & local law enforcement. I would like to seek criminal charges. FDIC bank 's should have more task force law enforcement. XX/XX/2021 PayPal XXXX XXXX drafted {$5.00} transaction XXXX CA - XX/XX/2021 PayPal XXXX XXXXXXXX XXXX XXXXXXXX drafted {$20.00} transaction XXXX CA - XX/XX/2021 PayPal XXXX XXXX XXXX XXXXXXXX tried to draft {$20.00}. All three counts are Unauthorized Demand Draft.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In XXXX of XXXX  I noticed that I had been getting a bill on my XXXX XXXX card from Transunion for 17 months with out my permission. I had not noticed it before because it was only for {$19.00} and I don't check small bills closely. I notified XXXX XXXX and they said they would investigate it. Over a period of five months they removed several of the charges and later they said they were going to refund all of the charges involved. This month I realized that in XXXX they had added all the charges back on. When I called XXXX XXXX XXXX seemed to be trying and was arranging a conference call with Transunion but she reported that while I was o hold for her she was on hold for Transunion. She gave me number to call for billing at Transunion and said she would call me back in five days to see the results. When I called the number she gave me I got a busy signal or a dead line. I decided you were my only alternative. The total bills were $ XXXX at XXXX XXXX says that Transunion has a request from me for this service. Because I have no need for credit I put a freeze on my account several months ago.
Consumer complaint received 2023-01-23
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: ALLY FINANCIAL INC. (MS)

I have never given my consent for any company to report late payments on my credit profiles. This is also a breach of my right to privacy.

Please see 15 U.S. Code 1666b Here are all of the late payments that have been published to my credit reports : Payment history guide 30 days past due as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (NY)

This is in reference to BP gas credit card services. Account number XXXX XXXX XXXX XXXX issued by Syncrony Bank. 

Due to loss of job due to XXXX BP has been unwilling to work with me for payment options. I have insurance on the card. BP will not work with me and has declined my request to provide me with payment agreement or waive late fees on my account.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I sent several letters to 15 U.S. CODE 1681 @ 2 ( a ) ( 1 ) I am writing to dispute an unauthorized inquiry/late payment on my credit report dated [ date of inquiry/payment ]. I did not authorize this and request it be removed in accordance with 15 US Code 1681g ( a ) ( 1 ). Please investigate and correct this error promptly. 

I am writing to dispute an unauthorized inquiry/late payment on my credit report dated XXXX. I request it be removed in accordance with 15 US Code 1681g ( a ) ( 1 ). Please investigate and correct this error promptly. 

I submitted a complaint ONLINE, XXXX, with CFPB, on the same day ( screenshot attached ). It shows " view Results '' showing MY STATEMENT showing the negligent antics regarding the LATE PAYMENT that was to be removed a YEAR AGO after the XXXX  - XXXX President wrote them TWO letters and attached the AUD that states NO LATE STATUS on what these credit bureaus refuse to remove. I've attached all the letters and screenshots as PROOF of their negligent behavior regarding my account. I went onto each credit bureau account today to DISPUTE this LATE PAYMENT, and it showed I CAN NOT DISPUTE ONLINE. I sent several letters- but they have yet to respond. They are USING STALL TACTICS. 15 U.S. Code 1681g ( a ) ( 1 )
Consumer complaint received 2021-01-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-28
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)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-01-17
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a 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.
Consumer complaint received 2020-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

I had set up a new PayPal account to link it to my XXXX for selling my phones and items around my home. I started getting a cash flow into my account and everything was great I've been shipping my items to my customers. Shortly after I get a notification that my account has been limited. I send all the documents that PayPal has requested to the best of my ability. A few days later, PayPal claims that I'm too high risk to be on their platform and places a 180-day hold on my account and limiting everything instructing me to not use their platform again. This is very poor execution of service. just because I am a new seller on their platform I get my money taken and no way of appealing their actions. 
You can no longer do business with PayPal. ( Ref ID - XXXX ) Account email XXXX XXXX
Consumer complaint received 2023-01-17
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-15
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. (TX)

A person other than me opened an count purportedly with XXXX XXXX XXXX Credit Card Company. The account is not mine. I have sent 3 notices under Section 609 FCRA demanding that XXXX XXXX provide to me certain documents mandated under Section 609 FCRA. It has been over 90 days since my demand under Section 609 FCRA and as of this complaint submission XXXX XXXX has FAILED to provide the mandated documentation under Section 609 FCRA. XXXX  continues to allow the company to report the derogatory item all the while being in violation of Section 608 FCRA. In fact, XXXX  will not even allow for another dispute to be initiated even though XXXX  has failed to comply with Section 609 FCRA by not enforcing Section 609 FCRA with XXXX XXXX.. 

I am attaching notice of a lawsuit filed against XXXX by the FTC fir these very same violations. Neither XXXX  nor XXXX XXXX should be allowed to continue to violate the FCRA. I am also attaching XXXX Notice prohibiting another dispute. Additionally, XXXX  has an error problem on their document upload it does not allow you to upload the documents. 

It is within the jurisdiction of the CFPB to require both XXXX  and XXXX XXXX to comply with Section 699 FCRA. As of the submission of this complaint BOTH are in violation of the FCRA.
Consumer complaint received 2023-01-17
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-17
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion has failed to Address the reported XXXX  Account, shown in Exhibit C and B-1 XXXX has failed to remove the inaccurate accounts and inquiries in Exhibit C and Exhibit B-1 attached to the Affidavit of XXXX XXXX XXXX XXXX. This is the last and final attempt to rectify this matter before seeking civil action with the affidavit and evidence. 

Attached you will find the most recent credit report. XXXX  is largely unaligned and misreporting inaccurate information unlike their peers Transunion and XXXX. 

For additional damages and facts regarding the matter please the Attached affidavits. 

Pursuant to FCRA 611 ( a ) ( 7 ) XXXX  has not provided a description of methods used in investigations requested within 15 days. I requested to see a complete list of all documents and correspondence with all names and contact information of employees that you spoke to as part of this investigation. I requested if e-oscar was used please show verification for Metro 2 compliant data. 

I have not received any certifications of accuracy or copies provided for investigation of the named accounts and inquiries. 

Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX  has not blocked the information as requested in the original letter meeting all the legal requirements and opted to ignore the request unlike their peers. XXXX  has not provided XXXX  is in violation by vicarious liability for False or Misleading Representations 15 U.S.C. 1692e, Furnishing Certain Deceptive Forms for Verification 15 U.S.C. 1692j, Unfair practices - 15 U.S. Code 1692f with reporting inaccurate information obtained by false pretenses. 

XXXX  did not abide by the listed inaccurate accounts FCRA 605B ( 15 U.S.C. 1681c-2 ) after I provided all the requirements, affidavits, police reports, and letters. No notification was provided to myself, the consumer regarding declining the block ( s ) of the requested accounts. 

Given the duration and frequency of notice regarding this matter XXXX actions are construed as willful noncompliance. 15 U.S. Code 1681n - Civil liability for willful noncompliance.
Consumer complaint received 2021-03-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL (NJ)

Certficate Of Deposit was opened with Synchrony Bank with {$220000.00} on XX/XX/XXXX for a term of 60 months and matured on XX/XX/XXXX. Instructions were given by me to close the account upon the maturity date and mail the fund proceeds to me.I was told the check would arrive regular mail on or before XX/XX/XXXX. Since I did not recieve the check, been in contact with Synchrony Bank as the check was deemed to be lost in the mail and a declaration of loss for lost cashiers check was generated by Synchrony Bank, completed and returned via email on XXXXWas told the funds would be ready by XX/XX/XXXX and would be wired into my bank account. It is now XX/XX/XXXX, and I am not in receipt of my proceeds.I have spoke many times with the bank, and keep getting a run around. I have lost confidence trying to get my money returned. Is it acceptable to wait over a month to receive my funds? I hope and pray I get the money returned.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I have contacted the company XXXX XXXX XXXX service but they are closed. My loan was transferred to XXXX and my credit report shows the same amount for XXXX XXXX XXXX  and XXXX as if I own both loan services. I have also received a letter stating that my loan has been forgiven.
Consumer complaint received 2023-01-17
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX  XXXX {$190.00} XXXX XXXX XXXX  XXXX {$380.00} XXXX XXXX XXXX  XXXX {$260.00} XXXX XXXX XXXX  XXXX {$1000.00} In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX and the rest of accounts above 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 2023-06-23
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: EQUIFAX, INC. (NY)

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these was COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2021-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

I have contacted the company several times about the debt asking them to provide me with a contract that I signed with them stating i owe them what they asking for and to stop collection activity. they did not deliver. the also went and put the collection on my credit report using another address of the collection company and listed it under a false name on my credit report. I sent my final communication to them to remove this account from all my reports and cease all contact and collection activity. they have not complied.