davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

Hello. I rarely use international transfers, I used XXXX and XXXX XXXX without any problems. On XX/XX/21 I made a {$3600.00} transaction in XXXX to my son from my bank XXXX XXXX XXXX XXXX XXXX via XXXX XXXX. In XXXX, because of the covid protocol, there were restrictions in the work of the XXXX XXXX, then they did not have a sufficient amount (! ), then they said that there were some problems with the transaction. I called XXXX XXXX to confirm the transaction onXX/XX/21, but they just transferred the money back to me. Okay, I went to XXXX XXXX located at XXXX store in XXXX TX. There I was told that they did not have the entire amount (! ) And I had to go to the other store. I tried to convince them that I do not need money and I want to send the entire amount to XXXX again. I said that they shouldn't give me the money, they would just forward the transaction. But they refused and said that it looks like a scam!!! A few days later, about two weeks ago, in XXXX XXXX located in XXXX XXXX TX, I asked to resend money to my son again. The employee tried several times but without result. Then she returned the entire amount of {$3600.00} + sending fee to me and tried to do the whole process from the beginning. She didn't succeed ... She advised to try again in a few days. But I got the idea! I have an account in Venmo, but the custom service told me they do not make international transactions and advised PayPal. Oh PayPal! A huge company! They can help me! I opened an account, confirmed my identification and the identification of my bank. My son in XXXX did the same. XX/XX/21 I tried to make a transaction : {$3600.00}, {$1800.00}, {$360.00}, {$180.00} but only {$18.00} succeeded. I thought because I'm a new client, my account has restrictions or a limit. But PayPal custom service reported that my account is transparent/clear and does not have any restrictions or limitation. But they see that my transactions do not go through the XXXX XXXX XXXX. What is the reason for this they do not know and advise me to try it in 48 hours and my son should make a payment request. We did it. My son made a request and I waited 62 hours. As you already understood, I could not make a transaction today... This is money for my son for a wedding and this is the my first gift for this. This is a transaction from a legal person to a legal person, from a legal bank to a legal bank, from legal money received from legal work! My son and I do not have any criminal or financial problems and I hope this is some kind of mistake and can be easily fixed! 
Sorry for the long post, but I tried to make a complete picture. 
Respectfully, XXXX XXXX
Consumer complaint received 2022-12-06
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (IL)

Waypoint Resource Group is attempting to collect on behalf of XXXX XXXX, XXXX. I reached out to Waypoint Resource Group and requested that the collection agency send a copy of the original contract which verifies I owe the debt. I also requested a copy of the last billing statement sent by the original creditor, the amount owed when the collector purchased the debt, the date of last payment and whether the debt is past the statute of limitations. To date, I have received no response. 

An amount of {$520.00} is not owed to XXXX XXXX. Waypoint Resource Group has not provided any documentation which proves the debt belongs to me. Thus, I am requesting this entry be removed from my credit report immediately. This debt is erroneous.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WA)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, Experian and XXXX ) credit report. My latest credit report shows XXXX credit inquiries that I did not authorize. I have called amd sent numerous letters and disputes to the creditors no response and the bureaus are not responding. I am a victim of domestic XXXX and have explained numerous times my situation to the XXXX major credit bureaus. I have locked my credit reports and somehow still have these inquiries. Please help thank you.
Consumer complaint received 2020-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (PA)

I held a credit card account with Discover since XXXX. I had not used the account for more than a year -- the last time it carried a balance was XX/XX/XXXX -- but I was given no indication anything was wrong, and had even received a new card to activate, replacing my old one. I activated the card online on XX/XX/XXXX with no apparent issue, but when I went to use it the next day for a point of sale purchase, it was declined. 

After calling Discover on XX/XX/XXXX with my issue, they informed me the account had been closed without any notice to me. I received no communication -- not by telephone, U.S. Mail or secure message via their website -- to let me know this was the case or to give me a chance to take action and keep the account active. 

Discover said their policy was to open a new account for me, again, not a problem. But they said they could only offer me a credit limit of {$3500.00} on the account, a decrease of {$11000.00} from my previous limit of {$14000.00}. Their reasoning for doing so was my credit score being lower than it was previously, but the drop in score was a result of their unilateral actions stripping me of a nine-year old account and more than {$10000.00} of available credit. 

Any time in the past when they increased my credit limit or made any other changes to the terms of the account, I received a letter in the mail and, usually, confirmation online, as well. Even if they had kept my old account open but simply opted to lower my available credit, which would be well within their rights, isn't some form of notification required? 

I never missed a payment on the credit card and also paid off an {$8000.00} personal loan with their bank over a four-year term. After all that, Discover pulled the rug out from under me and put me in a tenuous position using more of my available credit than I'm comfortable doing, further adversely impacting my credit score. 

I'm very disappointed in their actions, and want to find out what recourse is available. Thank you.
Consumer complaint received 2020-03-21
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)

Today XX/XX/2020 I went to a dealer to purchase a new vehicle when they ran my credit I didnt get approved because I apparently I had some negative accounts & a few inquiries on my credit report. I wasnt sure what they were talking about so i looked at my credit report myself & sure enough I saw 3 accounts & some inquiries on my report that arent mine. I did not open these accounts nor did approve of these inquiries. I have never allowed anyone to use my personal information to open any accounts in my name. I am not affiliated to any of the companies lised on this report nor have I ever opened an account with those companies. I did not get anything out of these accounts that were opened such as money, services, goods or any other benefit ; I have never contributed to any payments made towards these accounts. I have filed this report to the best of my knowledge and I have also filed a police report regarding these suspicious accounts and inquiries.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida XXXX  and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-03-21
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. (CA)

Today XX/XX/2020 I went to a dealer to purchase a new vehicle when they ran my credit I didnt get approved because I apparently I had some negative accounts & a few inquiries on my credit report. I wasnt sure what they were talking about so i looked at my credit report myself & sure enough I saw 3 accounts & some inquiries on my report that arent mine. I did not open these accounts nor did approve of these inquiries. I have never allowed anyone to use my personal information to open any accounts in my name. I am not affiliated to any of the companies lised on this report nor have I ever opened an account with those companies. I did not get anything out of these accounts that were opened such as money, services, goods or any other benefit ; I have never contributed to any payments made towards these accounts. I have filed this report to the best of my knowledge and I have also filed a police report regarding these suspicious accounts and inquiries.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted several disputes over the years with XXXX, Transunion, and XXXX  to get incorrect information off my credit report with no help. There is a misspelling of my name, wrong addresses, phone numbers, and even an account I don't recognize. I need help in getting this resolved.
Consumer complaint received 2020-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PENTAGON FEDERAL CREDIT UNION (CA)

On XX/XX/2020, I requested a balance transfer using my PenFed Power Cash Rewards credit card. The payment of {$510.00} went from Penfed to XXXX XXXX XXXX. After I entered my XXXX account number, I was given the option to select the ONLY name that came up after I entered my account number and that was XXXX XXXX XXXX. I selected the name and pressed confirm. I received a message saying the request was submitted successfully. On that day, I performed several balance transfers. I was informed that the balance transfer would take up to 10 days. Every account received their payment within 3-5 days except XXXX. I began to call XXXX credit card, which is under XXXX XXXX, to find out the status of the payment I submitted on XX/XX/XXXX. XXXX/XXXX  XXXX said they never received any payment. I contacted Penfed to inform them that XXXX/XXXX  XXXX  has not received the balance transfer payment. On XX/XX/2020 I had a conference call with a rep from Penfed by the name of XXXX and a supervisor from XXXX/XXXX  XXXX by the name of XXXX ( employee number XXXX ). XXXX explained to XXXX that they needed something stating that my balance transfer to XXXX was rejected so penfed could resend funds. XXXX said there was no payment showing in any of their systems to give Penfed a notice of payment rejection. XXXX from XXXX/XXXX  XXXX explained that when things like that occur XXXX  XXXX has the ability to have that payment sent back to the cardholder ' credit card. 

After the conference call I was under the impression that Penfed would cancel the payment and it would be returned to my credit card. No such thing occurred. I've spoken to multiple people, XXXX, XXXX Asst manager, XXXX XXXX, at Penfed with regards to my missing balance transfer payment. On XX/XX/2020, I spoke to a supervisor by the name of XXXX. He told me that somehow my payment went to XXXX instead of XXXX/XXXX  XXXX. XXXX is XXXX and XXXX XXXX parent company. Penfed has sent several messages to XXXX asking them to resend my payment. They claim they don't have the payment. He said pended 's system is possibly not detecting that something went wrong with the balance transfer payment and they have to wait until it's sent back to my credit card.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IL)

I have had a credit card withChase from XXXX, I have closed that account in XXXX and agreed to pay a monthly payment of {$300.00} until the balance is settled. In XX/XX/XXXX they reported me to the credit bureau with late payment that wasn't disclosed to me or notified about. I was paying my $ 307 monthly and on time. I had no prior knowledge of the extra payment nor Chase informed me of it.
Consumer complaint received 2020-04-01
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: EMCC Holdings, LLC (NV)

Purchased timeshare XXXX XXXX .Contract amount was XXXX at 18 % rate. On XX/XX/XXXX Loan was payed off in the amount of XXXX. Payoff was never submitted to any credit bureau. Payments were payed to a company called EQUIANT. I've reached out to XXXX XXXX and XXXX XXXX on several occasions to no avail, they insist XXXX  was notified of payoff. My account # XXXX
Consumer complaint received 2020-03-21
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX FRAUD CLAIM LETTER attatched USAA POLICY temporary credits provided until fraud investigation is complete ARE MADE PERMANET. Kindly note this claim date XX/XX/XXXX TOOK TEN ( 10 ) MONTHS TO COMPLETE INVESTIGATION TO MAKE CREDITS PERMANET. see attatched XX/XX/XXXX statement XX/XX/XXXX {$200.00} & {$280.00} TEMPORARY CREDITS ** ARE NEW PURCHASES ** I DID NOT PURCHASE XX/XX/XXXX?? Why are TEMPORARY CREDITS ( no time to have been made permanet yet ) REPLACED WITH NEW CHARGES I DID NOT AUTHORIZE?
Consumer complaint received 2024-02-25
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)

Company has violated Family Educational Act of 1974, Privacy Act of 1974, USC 15 U.S. Code 6801 - Protection of nonpublic personal information, and 17 CFR 160.7
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-01-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX was reported as collections to my credit reports due to identy theft. 
for the amount of {$2000.00} reported on XX/XX/23. I never signed a wet contractual contract with this company nor have an opened account with this company
Consumer complaint received 2024-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (VA)

Lexus Nexus reporting inaccurate information. Lexus Nexus reporting wrong information to other data sources and credit report agencies. Lexus Nexus have multiple name variations. Lex Nexus is have information on report that is more than 5 years old.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Iam disputing the following accounts XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX DEPART EDU XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX DEPARTMENT OIF EDU XX/XX/XXXX XXXX. These accounts are fraudulent. were done by theft
Consumer complaint received 2023-05-06
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. (NJ)

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. Accounts list as follow : XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX {$280.00} XXXX In accordance with the Fair Credit Reporting act These Accounts have 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 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 2020-04-01
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. (LA)

Iam disputing the following accounts XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX DEPART EDU XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX   XX/XX/XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX DEPARTMENT OIF EDU XX/XX/XXXX XXXX. These accounts are fraudulent. were done by theft