davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-27
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO LOAN OR LEASES 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2020-12-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (RI)

My name is XXXX XXXX and I am a PayPal user. 

PayPal limited my account since XXXX and they said they will force me to wait for 180 days before they could allow me to have access to my money. 

I accepted it and waited for 180 days. PayPal sent me an email on XXXX XXXX, 2020 that my funds are eligible for withdrawal and they said I could transfer it to my bank. 

When I signed up for a PayPal account, I didn't link a bank account or my debit card to my PayPal account. 

Currently I have {$10000.00} available for withdrawal in my PayPal account but PayPal does not allow me to add a bank account or card to withdraw my funds. 

They said said that after the 180 days I should be able to withdraw, but the 180 days is over and PayPal sent me an email asking me to withdraw my funds but then they don't allow me to link my card or bank to withdraw my funds to. 

I need this to be resolved and for PayPal to allow me to link a bank and a card to my PayPal account and withdraw my funds
Consumer complaint received 2020-03-04
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. (WA)

XXXX XXXX pulled my credit twice accidentally within two days, XX/XX/XXXX & XX/XX/XXXX which as irrelevant as it is dropped my score tremendously.. 

I should not be docked for mistakes made by banks. This was an obvious error on their part not mine. 

I am so fed up with this unfair system.
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-03-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Meridian Buyer’s Group (TN)

I bought this car with a warranty and it falls under the lemon law and no one helped me try and fix the car. I even took it to XXXX when the alt went out and they still didn't do anything. I told them where the car was and they said " it's not worth it '' ... ... ... .... Soo??? I getting charged for a car that they don't think it's worth getting back. Total XXXX
Consumer complaint received 2022-12-24
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: Experian Information Solutions Inc. (SC)

I pulled my credit report and noticed several accounts that do not belong to Experian Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

After recent review of my Credit Report, I found an loan account reported in my name for {$5200.00} by the XXXX XXXX XXXX 
I called XXXX XXXX and asked them about this account. They informed me that I was indeed a borrower on this account, along with a relative. I immediately contacted this relative and asked them about this account. They told me that when they got this loan, my information was given to the company as a " Reference Only ''. They were never told that I was co-signing or a borrower for his loan. 
I called XXXX XXXX back and informed them that I had no knowledge of this loan prior to it being taken out, I had a long conversation with XXXX of their Reps, and it was really understood that I knew nothing about nor did I ever give anyone permission to use my personal information to acquire a loan from this company.
Consumer complaint received 2024-02-21
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. (FL)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-10-14
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. (MS)

Sent disputes out for several inacurate accounts weeks ago. Nothing was changed. the accounts are still reporting on my consumer report. These accounts have not been verified and are a violation of the FCRA. PLEASE REINVESTIGATE, BLOCK AND DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT immediately to avoid litigation.
Consumer complaint received 2024-10-14
Product: Credit reporting 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'm asking for your assistance in dealing with the incorrect account thats showing up on my credit report. This issue has harmed my reputation, and I urgently need your help to correct it. The inaccurate reporting has caused me significant personal and professional damage. Please remove these false details from my credit record.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Unauthorized inquiries unexpectedly appeared on my credit report this morning, and I dont know why. I review my report regularly, and these discrepancies are completely out of the blue. I refreshed my browser hoping it was a technical issue, but the inquiries persisted. This has left me extremely frustrated, and I need my submitted documents to be checked thoroughly to resolve this issue and prevent future worries.
Consumer complaint received 2020-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

Usaa made several errors on my account when instructed to make a scheduled transfer of XXXX. 

They instead tried to pull XXXX Thereby holding XXXX for not being there And stealing XXXX in return fees which was actually my transfer. This means they stole my original transfer of XXXX and evaded paying it back as they chalked it up to return fees for a false number XXXX. 

I called and they claimed they just sent it back to my external account but they did not. Its not there. 
However they left a XXXX negative balance. On the form it says ( XXXX ) XXXX. 

There errors show on the bank report and reflect irresponsible behaviors.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After recent review of my Credit Report, I found an loan account reported in my name for {$5200.00} by the XXXX XXXX XXXX 
I called XXXX XXXX and asked them about this account. They informed me that I was indeed a borrower on this account, along with a relative. I immediately contacted this relative and asked them about this account. They told me that when they got this loan, my information was given to the company as a " Reference Only ''. They were never told that I was co-signing or a borrower for his loan. 
I called XXXX XXXX back and informed them that I had no knowledge of this loan prior to it being taken out, I had a long conversation with XXXX of their Reps, and it was really understood that I knew nothing about nor did I ever give anyone permission to use my personal information to acquire a loan from this company.
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (PA)

Went to a car dealer ship and was told they would only run my credit report with one bank, and they ran through 5 banks. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX No car was purchased. Did not ask for a inquiry. 
XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX was declined, did not ask for this. 
XXXXXXXX XXXX XXXXXX/XX/XXXX Did not ask for a increase. Denied. 
XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

On XX/XX/2019 through XX/XX/2019, we received unsolicited telephone calls from mortgage lenders and brokers and other third parties who were soliciting us to refinance the mortgage on or property at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. We had no intention of refinancing the mortgage, and we had not contacted anyone about refinancing the mortgage. The lenders and brokers told us that they received information from Equifax Inc. that caused them to contact us regarding a mortgage refinance. We never authorized Equifax Inc to secure mortgage refinance offers from anyone. Equifax Inc. used automatic systems to unleash a barrage of telephone calls from lenders and brokers regarding a mortgage refinance, and in fact we received 30 telephone calls from lenders and brokers in a 48 hour period, all initiated by Equifax Inc. None of the lenders or brokers provided us a firm offer of credit. All of the calls from lenders and brokers were initiated by Equifax INc. We requested the CEO and Chief Legal Officer to provide us a list of all mortgage lenders and brokers to whom they had sent personal and financial information about us, but they have failed and refused to do so. We asked Equifax to tell us what information they provided to lenders and brokers, but they have failed and refused to do so. Equifax Inc. charges lenders and brokers a fee to provide them with information about prospective mortgage refinance borrowers even when the property owners have no intention to refinance. Equifax Inc has earned fees by disclosing our personal and financial information to probably more than 100 lenders and brokers since we received calls from 30 lenders and brokers in a 48 hour period. The disclosure of our personal and financial information to numerous lenders and brokers potentially subject us to identity theft, but Equifax will not disclose to whom they sent our personal and financial information for a fee. Equifax business practice and model as described violates the Fair Credit Reporting Act. We have sued Equifax INc in federal court in XXXX, but they secured transfer of the case to the XXXX XXXX of Georgia, XXXX Division. We will litigate the case with them as they have refused to make an appropriate and adequate settlement offer though we have made offers to them..Please investigate Equifax Inc. as this is intentional unauthorized disclosure of our information and is an intentional data breach by Equifax for a fee.
Consumer complaint received 2020-03-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Phoenix Recovery Group (FL)

This company has contacted my boss, and my mother trying to get a hold of me. They have told them both they're trying to get a hold of me and to call the number they provide. This is obviously just embarrassing. In the current letter I received they also stated and I quote " Should it become necessary for the original holder of debt to seek legal remedies against you for the above stated amount the debt holder shall not only seek the entire balance in accordance with the original contract due, but also legally applicable pre judgement and post judgement interest, court fees and attorneys fees ''
Consumer complaint received 2024-10-14
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. (GA)

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (MD)

A XXXX credit account have been removed from my XXXX XXXX, due to the in ability to submit requested documentation such as original signed paperwork but for some reason experience is refusing to remove it. I have disputed this credit several times with experian but instead of deleting it I have become a personal Target for the experian company they have un accurately reported my credit numbers which has improved through other credit bureaus, but for some reason keeps dropping with experian examples such as dropping my credit a whopping XXXX points for a late payment from a account that I was just notified about I had requested that experian did not share my information for credit reporting for such bias reasons and every single time I try to get in my experian account Im mysterious locked out I have glad to reset my password 6 times in XXXX days, I have also accused this company of being racially charged when it comes to credit reporting on XXXXXXXX XXXX  and my credit dropping XXXX points for XXXX late payment is proof enough I believe Im being targeted by this company
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (TX)

As shown in the attachment, I had two XXXX I was XXXX of way back in XXXX. I have waited 7 years for the grace period in Texas which blocks agencies from reporting any XXXX   more than 7 years old. I finally got a job I enjoy last year in XXXX and only because they were not able to see my XXXX, so I am not sure why Checkr went out of their way to report the records. I feel I am being treated unfairly and with great prejudice. Please reach out and try to have this corrected for me. Thank you.
Consumer complaint received 2023-06-08
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. (NV)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the 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 is the ACCOUNT that need to be removed from my file : XXXX XXXX XXXXXXXX Balance : {$930.00}.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

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 2024-10-14
Product: Credit reporting 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 am filing this complaint because I have noticed several collection accounts on my credit reports that I do not recognize or have any knowledge of. These accounts are inaccurately listed under my name, and despite my repeated attempts to resolve this issue directly with the credit bureaus, no meaningful action has been taken. 
I have submitted multiple disputes with supporting documentation, requesting the verification and removal of these erroneous accounts, but the credit bureaus continue to report them as valid without providing any substantial proof. This has caused significant harm to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust. 

Unlawfully reporting accounts in question : XXXX XXXX XXXX : XXXX : {$610.00} XXXX & XXXX XXXX XXXX : {$360.00}