davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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)

My name 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 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 2021-12-23
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. (GA)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been 60 days!!! When I call to check on each respected document with each bureau ; I an given the " run-around ''. I am being told that they have not received the documents and that I should just simply mail them again. I have since mailed said documents a grand total of 5 times. I, unfortunately, am still given the exact same response. I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and ( additionally ) I demand that ALL items listed on each letter be DELECTED from my reports.
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MA)

In XX/XX/2017, I contacted Equifax and ask them to correct the start date on an auto loan through XXXX XXXX. Instead of updating the information the entire record was deleted. I reached out to them by phone to fix the issue and was told that a representative from XXXX XXXX had to contact Equifax in order for the loan to be re-added to my credit file. On XX/XX/2017, I contacted XXXX XXXX and was told to fax them the request. I did the same day. XXXX XXXX sent me a letter on XX/XX/2017 stating that they had furnished the information regarding the loan to all 3 credit bureaus including Equifax. On XX/XX/2017, I sent a follow up letter to Equifax highlighting incorrect information on my report. I also asked them, again, to add the XXXX XXXX loan to my report. I included a copy of the XXXX XXXX letter in that correspondence. To this date, Equifax is yet to report the XXXX XXXX loan. That is approximately 3 years of on time payments that is favorable data for me that is being left off of my credit report.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

I am permanently banned from using PayPal and I am extremely dissatisfied with this decision. I have been a loyal customer for several years and have never had any issues with my account. I believe this ban is unjustified and I request a thorough investigation into the matter. Furthermore, I demand that my account be reinstated immediately, as this ban is causing significant financial harm to me and my business. I look forward to a swift resolution to this matter. 

My Paypal Email Address : XXXX XXXX
Consumer complaint received 2021-12-23
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. (IL)

On XX/XX/21 Experian Credit Agency at www.Experian.com boosted my score by XXXX points. The next day ONLY Experian added a fraudulent collections account to my report and no other credit agency noticed the fraudulent collections account. At the other agencies I have good credit. Experian personally altered my credit score and lied and said the other agencies knew when they had no knowledge of the fraudulent collections account added on XX/XX/21 by ONLY Experian. They personally are attacking my account and committed fraud while doing so in an attempt to deny me my good score. My Experian account has been locked the entire time. My other accounts are locked as well. Experian is the only agency that allowed the fraudulent information onto my account 1 day after my score increased by XXXX points. They Are discriminating on my account and taking it very personal. The account in question WAS NEVER on ANY of my reports EVER. And for them to slide on my report AFTER my score went up XXXX XXXX later suggests fraud and XXXX
Consumer complaint received 2019-12-16
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. (LA)

I have been fighting with ID THEFT for sometime now and there are fraud accounts reporting. Ive tryed disputing this info but am not able to get the accounts blocked and or removed even after dispute. I have sent in all supportting documents to include police reports and ID THEFT affadvits and then some in support of this fraud!! The following is fruad and needs to be removed ASAP. 
1. XXXX XXXX XXXXAccount number XXXX Payment Info Original loan amount {$2800.00} Balance {$2800.00} Updated on XX/XX/2019 2.XXXX/XXXX Account number XXXX XX/XX/2019 3.XXXX XXXX XXXX Account XXXX XXXX XX/XX/2019 2019
Consumer complaint received 2019-11-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

Back between XX/XX/XXXXand XX/XX/2015, I requested for a deferment on my student loans that had gone out of deferment. I was informed that all payments are deferred till the following year. Because I was told they were deferred, I never checked for any correspondence from XXXX. In XX/XX/2015, I noticed on my credit report that XXXX reported my account being late for more than 3 months. Because I was told by their agent that my loan was adjusted over the phone till the following year there was no obligation to make any payments and their reporting is inaccurate. I have disputed this several times and they have not done a proper investigation and accept responsibility because it was one of their agents that informed me that my payments were deferred. I have asked for the phone conversation on that day and they couldn't produce it. 
This has a negative impact on my credit and I want them to do proper investigation on what happened on that day in XX/XX/2015 when i requested for the deferment. I have a 100 % track record of never being late with any of my creditors. This is the only account that has ever been late and that's out of the norm. This is a clear mistake on their end and they are refusing to take responsibility of their own mistake.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

EXPERIAN ALLOWED FOR FRADULANT/UNAUTHORIZED INQUIRIES TO BE PLACED ONTO MY CREDIT PROFILE. DISPUTE LETTERS HAVE BEEN SENT IN AND WHEN ATTEMPTING TO CALL & HAVE THEM REMOVED, I WAS TOLD VIA A REPRESENTATIVE ( XXXX ) ON XX/XX/XXXX THAT THEY DON'T REMOVE INQUIRIES. DISPUTE LETTER HAS BEEN SENT TO THEM & NO RESOLUTION OR REMOVALS HAVE TAKEN EFFECT. 

UNAUTHORIZED CREDIT INQUIRIES NEEDED TO BE REMOVED : XXXX XXXX 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 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2021-04-20
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX  XXXX XXXX XXXX ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2019-12-16
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: Experian Information Solutions Inc. (AR)

Experian refuses to delete collection information on my credit report. The same paid, closed account has been removed from other credit reporting bureaus after the creditor/collection agency requested them to do so.
Consumer complaint received 2021-12-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX BANK XXXX XXXX XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Inquires not authorized. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-20
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: Experian Information Solutions Inc. (FL)

My name is XXXX 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 2021-12-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (MD)

tried to withdraw funds but told account put on hold due to suspicious activity. i havent even been on this account in months prior now all of a sudden i cant withdraw?! contacted company and they asked me to send them a copy of my drivers license and a handwritten note confirming the day; told it would take XXXX business days to resolve. i sent the info the same day and havent heard from the company since. its been XXXX business days! my personal information is out there and still can not withdraw funds!
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

On or about XX/XX/2020 and XXXX of 2020 the amounts on PayPal were different. I reported these to PayPal 2 times and notified them of a data breach I was involved in through XXXX credit bureau. I have gotten a response stating they don't see what I'm seeing on there end!!
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (IL)

I requested a copy of my credit file on XX/XX/2024 and provided a copy of my social security card and a bank statement from XXXX XXXX XXXX XXXX. For some unknown reason, they refuse to send me a copy of my credit file.
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. 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. I need these items to be updated or corrected right away! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2021-12-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

Lender : Hyundai Motor Finance ( XXXX, XXXX ) History XX/XX/2021 : Purchased XXXX XXXX XXXX with {$7400.00} XXXX 2.5 % XXXX loan from HMFUSA XXXX 
XX/XX/2021 : Made {$6000.00} pmt. 
XX/XX/2021 : Called HMFUSA and asked {$6000.00} to apply towards principal payment. 
XX/XX/2021 : HMFUSA credited another {$6000.00}. Account shows {$0.00} amount due. ( attached exhibit 1 ) XX/XX/2021 : HMFUSA sent a loan satisfaction letter and released the title. The letter states " This letter shall serve as certification and evidence of satisfaction of the above-referenced retail installment contract '' ( attached exhibit 2 ) XX/XX/2021 : FL DMV Vehicle title record shows " There is no lien on this vehicle ''. ( attached exhibit 3 ) XX/XX/2021 : Logged in to check loan status. Payment history shows {$0.00} balance amount. ( attached exhibit 4 ) XX/XX/2021 : Called HMFUSA to inquire about the loan status. CSR confirmed the loan is paid in full and I have 0 outstanding balance. Phone conversation is recorded. XXXX : XXXX XX/XX/2021 : While on vacation, received a call from HMFUSA that I now owe HMFUSA. I explained that I've received loan satisfaction letter and title was released. Asked supervisor to call me. Never received the call for any explanation of change. 
XXXX : Back from vacation, logged in to the same account. Payment history is changed. ( exhibit 5 ) The principal balance changed to {$1400.00}. It also displays Total amount due {$890.00}. " Your account is XXXX day ( s ) past due '' ( exhibit 6 ) XX/XX/2021 : Called HMFUSA to inquire more. Not answering.
Consumer complaint received 2021-12-23
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: Franklin Collection Service, Inc. (CA)

According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX XXXX. 

15 USC 1681a ( 3 ) ( E ) ( e ) The term investigate consumer report means consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX, XXXX, and XXXX Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA under 12 CFR Part 1022 Regulation V. 

FRANKLIN COLLECTION SERVICES Who did you interview and can you provide the names of the neighbors, friends, or associates of the consumer reported on.
Consumer complaint received 2019-11-24
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. (CA)

There are two inquiries on my credit report that were not authorized with me and these two inquiries should remove from my credit.The inquiries are XXXX XXXX  dated XX/XX/2019 and XXXX XXXX XXXX dated XX/XX/2019 XXXX
Consumer complaint received 2019-07-19
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. (AZ)

There are a few inquiries on my credit report besides the accounts that I have that I do not recognize. These inquiries appear to have between XX/XX/2019 and XX/XX/2019. I would like these inquiries removed from my credit report because I did not apply for credit from these companies during that period of time.
Consumer complaint received 2023-01-20
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)

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

-Money transfer of {$1500.00} via direct deposit to family member 's savings account in XXXX XXXX on XX/XX/2023, via MoneyGram XXXX XXXX XXXX XXXX XXXX CA XXXX 
-Told by MoneyGram to expect money to be delivered at the latest by XX/XX/2023. 
-XXXX XXXX, 2023, XXXX XXXX time, money not delivered. 
-Family member in XXXX has gone multiple times to her bank and no evidence of transaction in process. 
-MoneyGram informed me that investigation opened with case # XXXX and will inform me once item resolved, but it may take up to 90 days. 
-I have sent money, via direct deposit to same family member, into the same savings account, in same bank for years, via other companies and have never have had this issue... ever. 
-Went to XXXX XXXX XXXX who processed wire transfer and she called MoneyGram as well and they could not give her an answer as to what happened. She cautioned me that this is very unusual and to stay on top of it. 
XXXX XXXX XXXX unable to refund me money since it was direct deposit to bank. 
-I have called every day and get same answer : under investigation, may take up to 90 days : meanwhile I am out {$1500.00} and family member could not pay XXXX XXXX on time.
Consumer complaint received 2023-01-20
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. (IL)

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 accounts 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 XXXX XXXX Balance : {$80.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$760.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE FIND THE ATTACHED DOCUMENT WITH THIS DISPUTE. PLEASE REMOVE ME OFF THE DISPUTED ACCOUNT FOR I AM NOT THE OWNER OF THE ACCOUNT. IT HAS BEEN AFFECTING MY CREDIT AND I WOULD LIKE TO BE REMOVED AS SOON AS POSSIBLE.