davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-27
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. (GA)

I am writing this complaint to inform the CFPB and Experian that I am a victim of identity theft. I XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Experian is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so. pursuant to 15 USC 1681c-2 ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. pursuant to 15 USC 1681b ( 2 ) a consumer any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. 
Fact, pursuant to 12 CFR 1022.3 ( i ) ( 1 ) ( ii ), identity theft report means a report that is a copy of an official, valid report filed by the consumer with a Federal, state, or local law enforcement agency. I am aware and have proof that I am a victim of identity theft. ( Exhibit A ) Experian is in violation of 15 USC 1681b ( 2 ). I never given Experian who is a credit reporting agency written instructions to furnish a consumer report on my behalf. congress mentions in 15 usc 1681 ( 2 ) and ( 3 ) that Experian is a CRA that assumed its roll as congress said they are and elaborate mechanism. Experian has no authority as must abide by federal laws and has assumed a role in containing my personal information without and using it without my consent.

I hereby demand Experian to provide me with the documents bearing my signature with the written instructions to furnish a consumer report on my behalf. I am a victim of identity theft and my personal identifying information was used by Experian without authority or consent, to commit fraud and furnish a consumer report on my behalf.
Consumer complaint received 2021-12-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Klarna AB (UNITED STATES MINOR OUTLYING ISLANDS)

The XXXX  customer care team does not accept returned items that are used or damaged, which was the conditions the three pairs of earrings that XXXX XXXX attempted to return. 
Given that XXXX XXXX received a refund for the Leather XXXX XXXX that was in a good, unused condition, despite XXXX  30-day return policy, and XXXX  returned her three pairs of earrings in the same condition as she sent them to XXXX, we view this matter as closed. 
AFTER DUE DILIGENCE I HAVE COME TO THE CONCLUSION IN WHICH THE MERCHANT IS ADMITTING THE RECEIPT BUT NOT BEING ACCOUNTED FOR THE MISSING EARRINGS AND CREDIT AT THIS POINT I NEVER RECEIVED A CREDIT FOR THE RETURNED THREE ( 3 ) PAIR OF EARRINGS WHICH WERE RECEIVED NOR THE EARRINGS BACK WITH THAT SAID I NEED THE EARRINGS BACK OR A CREDIT. AT THIS POINT THE EARRINGS ARE NO LONGER AVAILABLE AT LEAST FROM WEBSITE
Consumer complaint received 2021-12-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

My full name matching my XXXX XXXX XXXX XXXX XXXX XXXX, of number XXXX. Im from XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account just before the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account were settled. Futhermore, they took this money long before their said 180 days period elapsed. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to ZERO enriching themselves from my hard-earned money. 


PayPal transferred my whole {$8000.00} USD balance from my paypal account XXXX and took my hard-earned money under the Transaction ID : XXXX done on XXXX XX/XX/2021. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 

I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about these corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 

Looking forward to your reply. Thank you Warmly, XXXX XXXX
Consumer complaint received 2021-12-27
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. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-09-25
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: Millco Management (NJ)

I have a medical collection from Amerifiancial solutions for {$630.00} on my experian and XXXX report. I havent been to a medical provider in over 20 years. I disputed it 3 times and still there. Also I contacted collection company and asked for a bill in my name that led to collection and never received anything
Consumer complaint received 2021-12-27
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)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-12-27
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: Experian Information Solutions Inc. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2024-02-20
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. (FL)

I am writing to complaint to EXPERIAN about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX # XXXX XXXX, FL, XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1966. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

In addition, accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

The two student loans that show on my credit, was removed back in XXXX earlier in the year. So in XX/XX/XXXX they put it back on my credit. I complain to the bureaus about this matter, and nothing was done. I need it off, because once it drops off my credit it was never supposed to be back on it.
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. (GA)

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. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2022-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022 2022
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Regretfully, I am making a complaint against Capital One bank for allowing an overcharge of {$100.00} that was charged to my checking account by a scammer who posed as a cab driver outside of XXXX XXXX on the morning of XX/XX/2022. 

This scammer cab driver advised me that the cost from XXXX XXXX to my house in XXXX XXXX, NY, would be {$25.00} ( XXXX is about XXXX miles from my house and a XXXX ride ). I also gave a tip of {$3.00}, for a total of {$28.00}. He advised that he would text me the receipt and I watched him punch in my cell number. He used one of those squares that I have seen merchants use before, so I did not think anything of it. The very next day, I see a charge to my checking account for {$120.00} for the same trip. 

I immediately called capital one and disputed the overcharge of {$100.00} ( claim # XXXX ). At this moment, realized that I never received the receipt from that cab driver and advised the Capital One rep of this and it looks like I was the victim of a scammer. Both I and the Capital One representative tried to obtain information for merchant named XXXX XXXX XXXX. This appears to be a supermarket which does not make sense if this person is a cab driver. 

The Capital One representative advised me to send in any pertinent information I had to help dispute this transaction. I advised that I can show a receipt from XXXX for the amount I was charged ( {$22.00} ) going to the airport to give an idea of what I should have been charged, my trip itinerary showing the date and time I arrived back to XXXX airport proving I was picked up from XXXX airport and I sent it over to Capital One via email. 

Capital One denied my claim stating they did not receive my information, so I resent it to them. A few weeks passed, and I get notification that my claim was once again denied because I did not provide a receipt of what I paid for this cab ride ( the amount shows up in my checking account ). I have advised Capital One s times that this man never sent me the receipt and appears to be a scammer. They disregarded the other information I sent in because the only thing they were concerned about was the paid receipt. 

I asked Capital One for proof that they contacted this merchant and was provided with proof of what the charge was for, the date and location of the transaction. This was not provided to me as I don't believe they requested this. I have been a customer for well over 10 years and feel Capital One is allowing this man to steal money from me. They are treating me as if I am the criminal here and refusing to fully investigate this. 

They are supposed to protect the consumer, not the crook!! I have been victimized twice. 1-by this horrible person and 2 - by the financial institution that I have entrusted would protect myself and the money in my accounts, no matter how much it is. I can not afford to just give someone {$100.00} of my hard-earned money.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

On XX/XX/21 contacted Experian about an incorrect address on my credit report. They informed me they wouldn't remove it since one of my creditors ( XXXX ) was reporting it. Started a dispute w/Experian about the address ( XXXX XXXX, XXXX ) XXXX Was told it could take up to 30 days. 

Reached out to XXXX. The Representative ( ID XXXX XXXX ) refused to change anything, and falsely stated he could not see any information since sent to collections. Also repeatedly stated that was the only address XXXX EVER had and there was nothing he could do. I asked how/where they had gotten that address. Rep refused to give me an answer, or offer any proof to validate why this is on my credit report. He had none. Asked for supervisor. Spoke w/her she said she WOULD update my account to the correct address ( tix # XXXX XXXX, 3-5 days ). 

Finally got the dispute back from Experian, with the same address on there! They did edit it to say FL XXXX as well. Experian also claims they have no proof of this address either. How can this be reported, disputed, and still shows up on my credit report w/ZERO documentation given to the consumer as proof? After fleeing my home XXXX XXXX XXXX, now unable to find a new place to live for me and my son because of this address on my credit report. All w/out the XXXX and/or Experian showing any documentation to me at all. If there is verification I have the right to see it or know about it. I do believe this violates my credit bill of rights : " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. '' This still hasn't been done, or any documentation shown.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TX)

My tax return was deposited into a deactivated account with credit karma spend account the deactivated account had my maiden name on it they sent a check with the wrong name to the wrong address in 25 business days they have corrected my name but have not reissued my check or deposit into any account I have called this but when numerous supervisors that have sent me numerous emails even one saying the problem has been fixed how would you like your money and then they stop responding I feel they have stolen my money
Consumer complaint received 2021-12-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XXXX of 2021, I filed a dispute with, XXXX and Transunion credit bureau about the unverified account XXXX XXXX XXXXAccount number XXXX. In those 2 months I have asked numerous times for a response. I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Consumer complaint received 2021-12-27
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 FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  -- - ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-27
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)

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 Equifax 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 Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  -- - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

From inception of my mortgage in XXXX through XXXX, XXXX and its mortgage servicers, including but not limited to, BofA, repeatedly committed a pattern of intentionally negligent misrepresentation forcing numerous years of litigation that should have been resolved via settlement agreement in early XXXX. Since such settlement agreement, XXXX and its mortgage servicers, including but not limited to, BofA, continue to repeatedly commit a pattern of intentionally negligent misrepresentation including but not limited to : - failure to provide timely mortgage statements - failure to provide correct accounting in mortgage statements- elder abuse through harassing XXXX year old family members about mortgages they were not a party to in any manner - failure to abide by terms of mortgage agreement - failure to update address - repeated pattern of violation of settlement agreement post multi-year forced litigation after repeated attempts to illegally foreclose on home - fraudulent representation of mortgage terms- intentional misrepresentation of intentional pattern of actions as errors - intentional failure to resolve pattern of intentional misrepresentations over multiple years while refusing to take any action to correct and initiate good faith business dealings Full documentation has previously been provided to XXXX XXXX representatives and is available again for production, per terms of fair resolution provided with receipt of payment for time already incurred to date averaging a minimum of XXXX from XXXX.
Consumer complaint received 2019-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

Progressive management systems violated title 15 usc 1692c they didnt have my written consent to contact me nor did they have consent to contact any 3rd party ( credit bureau ) without my consent which is invasion of privacy and especially when progressive management systems is FTB suspended which means they are not licensed to do business they can not legally do business Ill upload it on here. Im asking for monetary relief and please be advised that the address thats on the Secretary of State is different from progressive management system address when they registered in 1978