davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aqua Finance, Inc. (CA)

I purchased a home improvement project from XXXX XXXX on or about XXXX, 2022 and was told that the project would cost around {$17000.00}. that I could pay over a 5 year period. 

Subsequently I received a statement from Aqua after the project was complete informing me that the actual total was around {$29000.00}. 

I contested this and my requests to clarify and correct have been ignored and Aqua is reporting the account to credit agencies as " delinquent '' rather than possibly " fraudulent ''. 

As a result, other creditors that I am in good standing with are reducing my credit limits and further damaging my credit standing ( score ). 

In summary, the company that sold me the project ( XXXX XXXX ) misrepresented the terms/price, ( {$17000.00} ) then sold the paper to Aqua which is now attempting to collect {$29000.00} and perpetuating what appears to be an attempt to defraud me.
Consumer complaint received 2021-06-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (MN)

On Wednesday XX/XX/2021 I was given a job offer for XXXX in XXXX XXXX XXXX, MN. The job offer ended up being a fake job and the scammers are using the identity of a man named XXXX XXXX. The scammers sent me a check for {$6500.00}. I was to deposit that money into my bank account, which I did on Thursday XX/XX/XXXX, and pay a third party for the equipment to do the job, which I did on Friday XX/XX/XXXX. I was told to pay the amount of {$6000.00} into an account for the computer equipment and to XXXX {$550.00} into a separate account for training. The original check for {$6500.00} ended up bouncing and upon discussing the situation with members at the XXXX bank in XXXX XXXX XXXX and the US Bank in XXXX XXXX XXXX we believe that this was a fake job scam. 

The account that I deposited the {$6000.00} into was an account with XXXX bank belonging to a XXXX XXXX. Account number XXXX. The XXXX account belonged to an XXXX XXXX. His account number is XXXX. I am unsure which bank this account is associated with but I believe that it is US Bank. Both of these counts belong to scammers and the reason why I am writing this complaint is to have these accounts looked into. I have filed a report with my the XXXX XXXX XXXX police department. The case number is XXXX. I also filed a report on the scammers with the FTC. I was told that filing a report with the CFPB would also be a necessary step since this is a banking issue. 

I have spoken with US Bank several times regarding this issue as well as XXXX bank. 

I have included the bank statement with the dates and transaction orders below. I have also included a picture of the fraudulent check as well as pictures of the cashiers check receipt and the money order receipts.
Consumer complaint received 2023-11-28
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. (TX)

XXXX XXXX account no. XXXX  amount {$960.00} remove DEROGATORY remarks placed for collection date assigned XX/XX/XXXX XXXX XXXX XXXX XXXX account no. XXXX and XXXX amount {$560.00} date assigned XX/XX/XXXX, remove derogatory remarks account seriously past due, placed in collection XXXX XXXX XXXX XXXX account no. XXXX and XXXX amount {$700.00} date assigned XX/XX/XXXX remove derogatory remarks account seriously past due, placed in collection XXXX XXXX XXXXXXXX XXXX account no. XXXX and XXXX amount {$340.00} date assigned XX/XX/XXXX remove derogatory remarks account seriously past due, placed in collection XXXX XXXX XXXX account no. XXXX and XXXX amount {$160.00} date assigned XX/XX/XXXX remove derogatory remarks account seriously past due, placed in collection XXXX XXXXXXXX XXXX account noXXXX XXXX amount {$880.00} date assigned XX/XX/XXXX remove derogatory remarks account seriously past due, placed in collection XXXX XXXX XXXX account no. XXXX amount {$13000.00} remove 30 day late payment date closed XX/XX/XXXX XXXX account no. XXXX  amount {$4000.00} open date XX/XX/XXXX, remove 30 days late XXXX XXXX account no. XXXX amount {$1000.00} date XX/XX/XXXX remove late payment remarks XXXX XXXX XXXX account no. XXXX  amount {$850.00}, date opened XX/XX/XXXX, remove late payment remarks XXXX XXXXXXXX XXXX  account no. XXXX  amount {$1000.00}, open date XX/XX/XXXX, remove late payment remarks. 
XXXX XXXX account noXXXX XXXX amount {$890.00} date opened XX/XX/XXXX, remove late payment remarks XXXX XXXX account no. XXXX XXXX {$3000.00} date opened XX/XX/XXXX, remove late payment remarks Credit Inquires, please remove them all from credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights XXXX 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-06-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I am at wits end with USAA, and as a 19 year member I have been treated unfairly. These people do not care about their members. Well the XXXX Americans members, I say that because from my experience and the neglect that Ive had to endure. There has been multiple situations where USAA could have come through to mitigate to lessen my damages but gave me the XXXX kiss and I strongly feel that if I were not XXXX-American I would not be going thru this XX/XX/XXXX, XXXX A traumatic injury on the job, my management falsified my records, to maliciously get my Workers Comp. denied. The denial costed me seven months with zero income. Finally got it approved XX/XX/2019 I did everything I could to communicate with USAA to work something out but not one person considered any thing and it was a straight up no and I was giving their XXXX to kiss. USAA would have lessened my damages to prevent service lapsing and out of all the calls out of all the emails, No one did anything and did not try to do anything gave me the XXXX to kiss. 

When the COVID-19 issue got to Georgia and my doctor gave me instructions and because of my chronic illness I am at high risk and if I contract the con virus I am at high risk for serious severe complications. I have given detailed emails I have spoken with people all way from the top to bottom These people still could careless and I get their XXXX kiss Still. 

My situation has nothing to do anything that Ive done but has everything to do with the process that I have to go through because others try to manipulate the system and misrepresent facts to unlawfully bring harm to me. 

USAA does not care about the members at least we are black XXXX-American. And I believe that due to my experiences. I could have been out of date long time ago into a better situation but if your bank that youve been with for 19 years and your father has been with this particular institution since he was XXXX years old cant give you anything something is wrong.
Consumer complaint received 2020-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

I attempted to purchase nail polish from XXXX XXXX XXXX and I paid XXXX on XX/XX/XXXX. When I hadn't received my purchase, my first email went to Pay Pal, dated XX/XX/XXXX. PayPal responded on XX/XX/XXXX to say that I should still wait for the product but I could escalate the issue with them by XX/XX/XXXX. On XX/XX/XXXX, still not receiving the product I emailed PayPal again to receive assistance with the matter and they again mentioned the escalation that had to occur by XX/XX/XXXX. On XX/XX/XXXX, I again contacted PayPal and asked what else do I need to do to escalate the issue since after 3 emails, all I was getting was the standard email regarding escalation. I stayed on the site there and emailed on another part of the site asking for " escalation '' process or link and noting my previous emails. On XX/XX/XXXX, PayPal emailed me to say that my case was closed and could not be reopened since I did not escalate the matter. Angry that day, I again emailed and left my phone number for some resolution and to this day, have not received any assistance or response and have not received my product. 

I'm writing to you for assistance.
Consumer complaint received 2019-02-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (TX)

Company calls, usually from XXXX XXXX every day. Robocall tells me to call back, I call back, but they say I am not in their system, and I have to wait on hold to speak with a manger to be put on their do not call list. Every time, they tell me I will be added to a list, or taken off the list, but their robocaller continues the harassment. They still can not find any record of my number, and call every day.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The credit reporting company Equifax is continuously reporting personal information incorrectly. 

A second address that is undeliverable for mail. 

A middle name that is not authorized due to identity theft in XXXX, 2018. 

Employment should be blank due to ID theft. Birthdate and last 4 digits of social security number should be blank also.
Consumer complaint received 2024-02-23
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. (CA)

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. 

XXXX XXXX : # 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 : 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 2020-06-10
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Sir or Madam : This letter is to dispute a billing error on my XXXX XXXX Credit Card. The amount is inaccurate because I have paid the balance in XX/XX/XXXXbut it hasn't been updated since XX/XX/XXXX. 

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-13
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. (CA)

XXXX XXXX XXXX with account number XXXX This account is listed as being XXXX  days late. I have never been late on this account. 

In accordance with the Fair Credit Report Act, 15 U.S.C 1681a ( 2 ) Exclusions : ( A ) ( i ) states report containing information solely as to transactions or experiences between a consumer and the person making the report. 

Therefore, any transactions SOLEY made between a consumer and the company CAN NOT be reported on the consumers credit report. I have included this section from the FCRA along with this letter. Please see attachment.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

The company listed below has a claim under my name on XX/XX/XXXX. My Insurance company is XXXX XXXX at XXXX and they have XXXX records of claims under my name. I have attempted to reach out to have this removed and they only allow you to submit a request but no one has responded. I have had no insurance claims since XXXX This is effecting my ability to obtain car insurance at a reasonable rate. 


Comprehensive Loss Underwriting Exchange ( CLUE ) Status : OrderedReport Source : LexisNexis Risk Solutions XXXX Reference : # XXXX
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The Contract Related to this account has been canceled, NO CONTRACT, Please provide any documentation containing my signature that shows i am under contract for the debt, Being that the account was transferred to another lender please provide any agreement between the original creditor and new lender or collection company
Consumer complaint received 2024-02-23
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit was ran multiple times on the same date I called XXXX and XXXX XXXX  multiple times since XXXXFiled two cfpb complaints and corrections still not fixed. I filed paperwork for small claims court in XXXX county because I keep getting runarounds. I am pursuing XXXX lawsuit in small claims court.Court date is set for the end of XXXX gave them ample amount time to fix the issue. So I am asking for XXXX and XXXX dollars for court filing fee reimbursement.
Consumer complaint received 2020-01-03
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. (TX)

To begin with, I want to clearly state that I am not using a credit repair company. I am writing this letter on my own behalf, using information Ive gathered through investigation of the Fair Credit Reporting Act ( FCRA ) to understand applicable laws and my rights as a consumer, as well as from my own independent research at my alma mater universitys library, online research through credible sources, and direct interviews of industry subject matter experts. 

In XX/XX/XXXX, I disputed inaccurate and erroneous information on my credit report. An item came back " verified '' by Experian, and I then requested ( on XXXX ) to know their method of verification and description of procedures their investigators used to arrive at this conclusion. This is my right under Section 611 ( a ) ( 6 ) and ( 7 ) of the FCRA. 

After about a month, Experian then responded to this request by sending me another copy of my credit report along with verbiage indicating that this item was once again " verified '', however no information was provided regarding method and description of procedures for the verification. 

So, I gave Experian benefit of the doubt and sent them a SECOND request for verification method on this item ( on XXXX ). Exact same result as before - Experian came back after about a month with the same verbiage indicating that my item was " verified '', but nothing regarding verification method and procedures. 

By now, I know Experian has already twice been in violation of my rights under the FCRA ; however I chose to give them another opportunity. I sent in a THIRD request for verification method on this item ( on XXXX ). The FCRA allows for 15 days, plus mailing time, for a response from the credit bureau. It is now XX/XX/XXXX, and I've heard nothing in this regard back from Experian. 

Experian has now VIOLATED THE FCRA THREE TIMES by not responding to my requests in the 15-day period allowed by the FCRA, and I am exercising my right to demand this item is deleted from my credit report immediately. I am attaching to this complaint written evidence of all I've noted above.
Consumer complaint received 2024-02-23
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. (TX)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-23
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. (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 : XXXXDOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX and 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 2023-11-28
Product: Credit reporting 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)

I am submit this complaint to bring to your attention a persistent issue concerning fraudulent items on my credit reports, despite my ongoing efforts to rectify the situation. Within the next 15 days, I am scheduled to update my credit reports, and this communication serves as a follow-up in anticipation of that update. Regrettably, my attempts to remove these fraudulent items in recent months have been met with resistance from the Credit Bureaus, as they persist in reporting inaccuracies. Under Section 605b of the Fair Credit Reporting Act ( FCRA ), Credit Bureaus are legally obligated to remove items determined to be a result of identity theft. The dispute items in question do not belong to me, and I have attached the required FTC Report with reference # XXXX for your reference. Specifically, I am formally requesting the removal of the following specified inquiries : XXXXEXPERIANXXXXXXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-03
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-02-23
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX