davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-02
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. (VA)

I am filing a complaint of non-compliance against XXXX XXXX who sent a letter to on XX/XX/XXXX and Equifax on XX/XX/XXXX. This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached both letter I sent to XXXX and EQ XXXX. The following on the letters needs to verified : In XXXX, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Consumer complaint received 2020-10-02
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. (PA)

I am a victim of identity theft, my information was compromised and somehow fraudulent unauthorized inquires and accounts were included on my credit report. as a result after legal counsel I contacted this company both by phone and a formal letter, providing all the necessary documentation that they needed to make informed decision on this matter and remove these fraudulent accounts and inquiries. But to my surprise they decided to ignore me and are still reporting the same fraudulent account till date. Below are the fraudulent accounts and inquiries in question : FRAUDULENT INQUIRIES XXXX CARD Date of inquiry : XX/XX/XXXX XXXX XXXX SER Date of inquiry : XX/XX/XXXX XXXX XXXX NA Date of inquiry : XX/XX/XXXX XXXX  XXXX NA Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX FRAUDULENT ACCOUNTS XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX Account Number XXXX XXXX
Consumer complaint received 2020-08-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I was contacted by an agent named XXXX and she proceeded to tell me i had until the end of day to pay back an old payday loan i had forgotten about. She told me it would be handed over to courts if i didnt pay XXXX dollars and that i was being sued for Fraud, libel, and misconduct. They also called my family memebers repeatedly even when told not too by said family members.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (PA)

Purchased doll on XXXX using paypal for payment in the amount of {$1300.00}. The doll was received in terrible condition not as described. Filed return with XXXX whose customer service person told me to also file a claim with paypal. When I did that XXXX closed their claim. Claim was filed with paypal on XX/XX/year> case ID XXXX XXXX XX/XX/XXXX provided photos. XX/XX/year> shipped doll back to address provided by paypal according to paypal instructions. Tracking # XXXX with signature required. It was delivered XX/XX/XXXX, XXXX to seller. I was assured I would receive my refund by XX/XX/XXXX via site notification. I called on XX/XX/XXXX and was told by paypal customer service the refund would be done that evening. Today is XX/XX/XXXX and I received another notice via paypal site that they would get back to me on XX/XX/year>. The refund has not been made to me. I keep being told they will get back to me. The seller has the doll and I have received nothing. Paypal has all photos and information they asked me to provide.
Consumer complaint received 2020-10-02
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)

DATE : XX/XX/2020 I'm refinancing my mortgage.On XX/XX/2020, the Escrow Company has appointment with me to sign myDocs and tells me I should pay off many credit cards and something else which I never know an d I never borrow. They give mea credit report that they ordered from XXXX XXXX XXXX XXXX. On credit report, the credit cards and financial companies I have not known and used below : ACCOUNT NUMBER BALANCE ( $ ) BK 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 AND MORE .... 
The credit report was run from XXXX XXXX XXXX Equifax shows Name XXXX XXXX XXXX XXXX not my name ) and SSN is not my SSN. 
I go online to get free credit report, Equifax and XXXX  ask me some security questions and said I should send mail or call. I call Equifax, the customer service asks me the security question and say they can not help me. I sent mail to Equifax on XXXX XXXX, 2020, and don't have answer. I get credit report from XXXX  ( because I paid ) It its correct. 
I would like Equifax and XXXX  fix problems immediately
Consumer complaint received 2020-08-18
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)

my information was used someone used my identity to open fraudulent accounts these accounts listed do not belong to me I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (PA)

My Barclays Bank credit card was canceled in XX/XX/XXXX and was inactive since XX/XX/XXXX. Upon cancellation I was reissued another credit card that was never activated. In XX/XX/XXXX I was charged a {$95.00} annual fee for the new credit card ( that was never activated ) and was unaware a fee was outstanding ( because I didnt have the credit card and was inactive ). Barclays Bank submitted the {$95.00} fee to the credit agencies in XX/XX/XXXX, which in turn significantly impacted my credit score, in the middle of a home purchase. Barclays removed their annual fee and acknowledged it was incorrectly charged. However, the damage to my credit score has already been impacted, Barclays refuses to provide any communication of the good standing balance and have cost me a significant amount of money and time. We lost the purchase of our home due to their submission. My credit score was impacted a 150 points in a matter of a month because of this sole submission by Barclays Bank, which was an incorrect charge and was a charge from Barclays ( not a 3rd party vendor ). I have made numerous calls to Barclays and have been told they can not provide me with a letter. This is specific to the XXXX XXXX Credit Card.
Consumer complaint received 2020-08-18
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: Fidelity National Information Services, Inc. (FNIS) (OH)

Date : XX/XX/20 Re : reporting fraudulent information XXXX ChexSystems, Early Warning Services I requested to open a bank account on numerous occasions I was denied due to check systems. I have disputed several other accounts that they have removed but are refusing to remove the other two that are not mine also, I contacted them and provided them that I wanted them to investigate and provide proof that I open the account within 30 days or to remove it from my credit file. They did not do that in fact they just sent me a letter stating that the bank verified that the account was mine which is not providing me proof that the account is actually mine anyone can open an account online. What is a victim of attorney theft I did remove the security freeze off the account so I can open an account. I have been disputing these transactions and accounts for over two years now previous to this I was incarcerated in a state penal institution they received mail for me from the correctional institution stating that there was accounts being opened and they were not me they initially placed a security freeze on my account but failed to remove the incorrect fraudulent information obtained in their credit report. 

I tried to work with them on numerous occasions to fix this they do not want to they continue to say that the accounts were verified which that can not be possible if I was in a state panel institution I also sent them a copy of my booking history which shows what days and dates I was in XXXX XXXX. 

Continue to fight with these people about the incorrect and inconsistency in my name and address most of the addresses and names that they have are not mine nor the phone numbers I tried to get them to update that and they failed to do so they keep reporting false fraudulent information and its affecting me I will take legal action if they do not remedy this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

I disputed a collection account. Experian did not remove the account while they investigate. According to the FCRA 15 USC 1681 section 602 says that consumer reporting agencies have a responsibility to report fair and accurate information with respect to the consumers right to privacy. Experian is a financial institution per 15 UCS 1681 section 604 which says that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " in accordance with written instructions of the consumer to whom it relates. '' Experian does not have my consent to furnish this information and they absolutely do not have my written consent. any and all consent Experian in any form ( written, verbal or implied ) is revoked. 15 USC 6802 ( b ) ( c ) states " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer i given an explanation of how the consumer can exercise that non disclosure option. '' Experian never informed me that i had a right to exercise my nondisclosure option. In addition to that 15 USC 1681C says Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is clearly in adverse action and they are reporting without my permission which is against the law. Now 15 USC 1681s -- 2 ( A ) ( 1 ) states " 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. 15 USC 1681e says that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Experian is not maintaining reasonable procedures. Oh yeah, 12 CFR 1016.7 states that i can opt out of reporting services at anytime, and i am opting out of XXXX XXXX XXXX  reporting to my consumer report.
Consumer complaint received 2020-09-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (WA)

They keep reporting the wrong information to my credit report. There are two separate accounts they made instead of one collection but also this debt is no longer owed. The information is outdated and their communication was not up to standard when I tried to dispute information.
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

American Express closed my " blue cash cash everyday '' credit card in XX/XX/2020 due to non usage for 12 months, 5 months of that falls during the pandemic. My balance on the account was {$0.00} ( i owed nothing and if anything i made an extra {$33.00} payment and American Express owes ME money ). My family and I have been hit hard by covid19 because we are in the XXXX  business and no parties/events are allowed in my area until further notice. They failed to present me ant type of terms of agreement or a clause that states during pandemic or covid19, card usages will be counted as normal and will count towards non usage. They have damaged my credit score and credibility by taking the wrong action and when i contacted them, they could only apologize for their mistake, even though one representative tried to reinstate my account ( after i told him that i will file a complaint with CFPB ) but told me i have to call another number to see if im eligible. They are giving me the run around for their mistake and refuse to help to defuse the situation.
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (TN)

I recieved a total of five fraudulent transactions on my Apple Card ( Goldman Sach 's Mastercard ) between XX/XX/2020 and XX/XX/2020. These charges are as follows : 1. XXXX, XXXX, AZ for XXXX on XX/XX/2020 2. XXXX, XXXX, AZ second charge for XXXX on XX/XX/2020 XXXX. XXXX XXXX XXXX   and XXXX XXXX, XXXX, AZ for XXXX on XX/XX/2020 4. XXXX, XXXX, AZ for XXXX on XX/XX/2020 XXXX. XXXX, XXXX, AZ second charge for XXXX on XX/XX/2020 After numerous conversations via chat and by phone, all charges were credited due to fraud except for the second XXXX charge made at XXXX on XX/XX/2020. The company is stating the vendor provided evidence that the charge was valid. This is impossible because I have never been to XXXX, and was in XXXX  for these days as shown by other charges on my statements. The first charge from XXXX was indeed deemed to be fraud, but they refuse to acknowledge the second charge for some reason. I requested the information used in the investigation as shown in the attached chat transcript with Apple Card support, was told they would provide it, and never did. I refuse to pay for a charge when it is obviously fraud, I can prove I was across the country when it was made, and all other associated charges were already proven to be fraudulent.
Consumer complaint received 2020-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have been writing XXXX XXXX this company because I have never heard of the original creditor, and know without question that if this debt was mine, it would be a minimum of 8 years old. However it gets sliced, it should not be on the credit report. In fact, on XX/XX/XXXX, both XXXX and XXXX  reported it had been removed, but XXXX  as of XX/XX/2020 still is reporting it as active. 

It very damaging, and very old. 

I keep sending letters asking both the company and bureau ( XXXX  ) to look into this. 

How can a company remove the listing off one report and not another. 

If you apply for a credit card, the bureaus all know about it in hours. Get an item to come off? Well that takes months.

This was removed XX/XX/XXXX. Why is it still being reported XX/XX/XXXX as valid?
Consumer complaint received 2023-01-06
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One on XX/XX/2022 pulled my credit and I did not apply for anything XXXX XXXX Bank pulled it on XX/XX/2022 and I did not apply for anything with them
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (FL)

I was offered a {$300.00} bonus for opening a checking account and fulfilling the terms. I opened the account on XX/XX/2020 and all terms were fulfilled, but the institution refuses to honor the bonus. This is a XXXX  scam.
Consumer complaint received 2020-10-02
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)

XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX my credit Account # XXXX XXXX XXXX XXXX is XXXX on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX   is fraudulent on my XXXX Account XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX  is fraudulent on my credit Account XXXX XXXX XXXXXXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2020-08-18
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-10-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$74.00}, {$0.00}. 
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. 

-- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$74.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.