davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-22
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. (GA)

My information was compromised via XXXX XXXX XXXX in XX/XX/2021 I noticed my XXXX account was tampered and I attempted to have the fraudulent transactions stopped which continues and reflecting on XXXX, XXXX, experian as closed derogatory with XXXX. The inactive XXXX account was used to fund all the fraudulent charges processed through XXXX  which placed the bank in negative balance and in XXXX XXXX  The XXXX consumer reporting agencies did not notify me this account reporting and failed to establish validity. all fraudulent transactions linked to the XXXX amounting to over XXXX now showing on all my consumer reporting agencies profile. I saw fraudulent name and addresses listed also on my profile. 
This has damaged my credit and causing emotional stress, financial strain and prevents me from refinancing my home. I was never notified of the fraudulent transactions by XXXX and XXXX. I attached my identification of evidence of assurance and ssn card for the case
Consumer complaint received 2022-05-22
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. (VA)

Information on account is incorrect or in accurate. Myself as the consumer has the right to dispute any information that is not correct on credit report. Several disputes have been filed and has been unanswered with no information provided on the Account that is showing inaccurate. 
When looking at file it is saying that information has been verified yet no information has been sent to myself. 
Account information is as follows XXXX XXXX XXXX XXXX  XXXX {$420.00}
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

BEFORE I START THIS DISPUTE, I WOULD LIKE TO LET THE CFPB THAT THIS IS NOT A DUPLICATE COMPLAINT. 

MY COMPLAINT IS ABOUT GETTING MY UPDATED CREDIT REPORT SOLEY FROM EQUIFAX AND XXXX. XXXX TOLD ME THAT I CAN NOT OPEN ANY ACCOUNT BECAUSE MY XXXX ACCOUNT IS IN SPECIAL SERVICE DEPARTMENT. I CALLED THEM SEVERAL TIME TO LET ME OPEN A XXXX ACCOUNT SO I CAN MONITOR MY CREDIT SCORE INSTEAD OF GETTING IT FOR FREE FROM XXXX XXXX XXXX WEBSITE THAT DO NOT GIVE CREDIT SCORE A SUMMARY. ITS BEEN ALMOST A YEAR NOW THAT I CAN NOT ACCESS MY ACTUAL XXXX CREDIT REPORT FROM THEIR WEBSITE. THEY ARE VERY RUDE WHEN I'M TRYING DIG DEEP OF WHAT IS THEIR REASONS WHY THEY PUT MY ACCOUNT TO SPECIAL DEPARTMENT? NO STABLE AND CONSISTENT RESPONSE FROM EVERY AGEN I SPOKE TO, INSTEAD I HAVE A RUDE AND ARROGANT RESPONSE FROM EACH ONE OF THEM. FOR EQUIFAX THE SAME REASON, THEY TOLD ME I HAVE A DUPLICATE ACCOUNT BUT THEN THEY DONT RESOLVE THE DUPLICATE ACCOUNT AND I WAS WASTING MY MONEY PAYING MONTHLT EQUIFAX SUBSCRIPTION AND I HAVE NOT RECEIVED ANY CLEAR OR UPDATED CREDIT SCORE. THEY ARE ALSO RUDE AND ARROGANT WHEN I TRIED TO KEEP ASKING WHY I CAN NOT GET AN UPDATED REPORT? AS PER FCRA IT IS MY RIGHT A S CONSUMER TO HAVE OR REQUEST AN UPDATED CREDIT REPORT.
Consumer complaint received 2022-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY FINANCE CORP (SC)

A finance company Security Finance opened and closed account 6 ( six ) times XX/XX/XXXX to XXXX XXXX then open it again on XX/XX/XXXX and closed XX/XX/XXXX and opened again XX/XX/XXXX and closed XXXX XXXX and opened again XX/XX/XXXX and closed XX/XX/XXXX and opened again XX/XX/XXXX and close XXXX  XXXX XXXX and then again on XX/XX/XXXX and closed XXXX XXXX. They did this on XXXX and XXXX  which neither of these 2 companies informed me of anything.This is not ACCEPTABLE. I can't imagine how many laws and rules have been broken, All I know is I feel VIOLATED BY ALL INVOLVED. Security Finance, XXXX and XXXX. How to DEFEND with so many OFFENSES?
Consumer complaint received 2023-02-21
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX 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.
Consumer complaint received 2022-05-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SIMMONS FIRST NATIONAL CORPORATION (TX)

I had been a customer of XXXX XXXX XXXX  of XXXX for several years until it changed to the XXXX of XXXX XXXX. During the first month of my checking account now being at the XXXX of XXXX XXXX, my XXXX direct deposit came through with no problem. By the XXXX day of that same month, my account became overdrawn ( which was something that happened every month for me trying to survive on XXXX ). The overdraft was always remedied at the beginning of the next month. FOUR days later, I received a notice in the mail that my checking account had been closed due to insufficient funds and subsequently charged off ... FOUR days! That happened on XX/XX/XXXX. I was not given the chance to rectify the overdraft before they closed my checking account. Nor was I given the chance to discuss the situation with anyone from the bank before they closed my account. My XXXX check for XXXX, that was sent to the bank, was mailed back to Social Security and it took two months, I think, to finally get that check mailed to my house. It's hard enough to try and survive each month with my XXXX check as it is. So you can imagine how incredibly difficult it was for me that XXXX to live off of nothing while that payment got bounced all over the place. Anyways, on XX/XX/XXXX, I received a statement from the bank ( which is now Simmons Bank ) showing where my account was closed and charged off on XX/XX/XXXX and then they apparently received another social security check of mine on XX/XX/XXXX ( that I knew nothing about and still have no idea what it was about ) for the amount of {$690.00}. They accepted that check ( even though they had closed my checking account and supposedly charged it off the month before ) and applied it to the money that I owed them for my overdraft. That left a balance of {$180.00} which when I called the bank and talked to the customer service person by the name of XXXX, he asked me if I received the cashier 's check for the balance. I told him I haven't heard anything from the bank since they closed my account back in XXXX of XXXX. Then he tells me that I wasn't even supposed to have received this statement that it was mailed to me by accident and I should just throw it all away. Of course, I still have questions about the balance left in the account which he told me he would have a supervisor call me from closed accounts to explain everything. Just like when my account was closed, I still haven't heard back from anyone and have no belief I will ever hear from anyone again from said bank. I have tried to open a new checking account at several different banks and got turned down by all due to having an outstanding balance at the XXXX of XXXX XXXX. But, according to this statement I just got, there shouldn't be an outstanding balance.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Because my PayPal account, became permenantly limited, I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business. 
BUSINESS NAME : XXXX XXXX  DESCRIPTION : digital selling, or online lessons.
Consumer complaint received 2022-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

My account is permanently restricted/blocked by paypal. 
I don't know why this happened, I didn't do anything, I didn't do anything like fraud, I just used paypal as a place to receive/pay money from clients. 
And paypal often ask questions about my business, I answer honestly, and send files/documents/id cards truthfully. XXXX XXXX XXXX XXXX XXXX XXXX who buys and sells goods in the form of files. and after explaining about the information, my account became like this. 
I ask for your help, I hope my account can be opened soon, because I need money. 

Account blocking date : XX/XX/2022 Remaining balance : XXXX USD $ Thank you
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Great American Finance Co (MT)

In XX/XX/2022, a credit card/line of credit was opened in my name through an XXXX XXXX XXXX XXXX Maryland. The financial institution is Great American Finance XXXX XXXX XXXX. The amount spent was {$1600.00} and it has a {$3000.00} credit limit. 

On Thursday, XX/XX/2022, I received a bill from Great American Finance XXXX XXXX XXXX with a minimum balance to be paid of {$150.00} ( {$79.00} current and {$79.00} past due ) by XX/XX/2022. This was not me! 

I spoke to Great American Finance XXXX XXXX XXXX this morning, XX/XX/2022 and they told me to file a Fraud Report with the FTC, a police report, which I just did with the XXXX Police Department in Montana, and provide them with my ID and verification of my address. 

Could you please look into this? I am nervous because it was opened with my social security number and other identifying information and I'm worried other debt has or will be opened in my name. 

Thank you.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have disputed this issue with Bank Of America several times since XX/XX/2020 and this has not been corrected.This reporting of my passed account status is completely inaccurate. The report reflects fraud ; however, no fraudulent transactions nor activity was completed on my account. My checking account at Bank of America, was not used for any fraudulent activity. Nor were funds withdrawn out of the account with any intention to cause my account to go negative. No withdraws were ever made or attempted after the deposit. My account was forced closed due to the activity of the deposits. As I stated, it was not intentional to make non-negotiable deposits, due to unforeseen circumstances in with my employer at the time I was affected personally due to my checking account being new.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (SC)

On XX/XX/XXXX XXXX and Equifax let a company called XXXX XXXX XXXX in SC, open and close accounts, the same accounts only to change the account numbers. But they they opened back up the very same day and this went on 6 ( six ) times on each agencies report, without anyone verifying me any suspicious activity this went on from XX/XX/XXXX until XX/XX/XXXX. This also went on with XXXX XXXX XXXX but it only happened 2 times open and close and open and close again. Opened on XX/XX/XXXX and closed on XX/XX/XXXX then turned around and opened the very same day it closed XX/XX/XXXX to XX/XX/XXXX. your reporting old information letting it be remanufactured without verifying. So who knows what you were allowing before this latest report that I received on the XXXX of XX/XX/XXXX.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-17
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. (CT)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Consumer complaint received 2018-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

NOT A DUPLICATE!! What I was explaining in the first complaint was the CA State Law regarding wage garnishment. Attached is the court order ruling on my case. The judge overturned the wage garnishment and returned my money to me. Bank of America needs to return my fee.
Consumer complaint received 2019-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com- pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer- tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requi- site compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, cor- rect, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting . FEDERAL laws dic- tate that any and all derogatory or potentially injurious reporting MUST be all of the aforemen- tioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
Consumer complaint received 2022-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

i believe that it was mistake to close my Paypal account. I am using my paypal account for my online business as a selling XXXX business. I start using this Paypal account last month, XX/XX/2022, My Paypal account email is XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hopping that I will get back my account and able to use my new online digital selling business. 
Thank you and Good bless For Identity verification, I attached my valid ID. Please see attachment.
Consumer complaint received 2022-05-22
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 's XXXX, A credit card and Line of Credit has violated my rights. These accounts were past due since 2015 and has been 7 years which should be deleted. I have made multiple request that have caused damages to me personally. I have made numerous contacts with your company and no documentation with proof has been provided as to why they have not been removed.

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

15 U.S.C 1681 section 604 section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting act reports on inquiries and account information 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. 

The following inquiries show on my credit reports from Experian, XXXX, and XXXX : Unrecognized Inquiries : XXXX. XXXX XXXX XXXX -- Alleged credit line increase request that was not completed online still appeared as hard inquiry. XX/XX/2021. 

XXXX. XXXX XXXXXXXX XXXX XXXX request on XX/XX/2021 appears twice, when it was only executed once. 

Account I want kept private : XXXX XXXX Credit Card.
Consumer complaint received 2019-07-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

I was purchasing concert tickets for a XXXX XXXX concert today XX/XX/2019 through a XXXX post. Seller and I agreed to use PayPal and XXXX for the transaction. I sent payment through PayPal and she stated she didnt receive it because I sent it as a transaction for a good instead of friend and family. So I asked for a refund and I would resend as friends and family. Seller stated she didnt know how, so I sent payment again to separate email that belonged to her boyfriend and asked her to refund once funds were available in her PayPal account and she agreed. Once the money transaction was complete I checked XXXX for over an hour and not tickets, I tried to reach out and was blocked.
Consumer complaint received 2018-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I agreed to settle the amount owed with USAA with their collection agency. The amount I paid was supposed to reflect on my credit report as PAID IN FULL. I disputed this with XXXX and USAA fails to acknowledge the settlement and update the status on all three credit bureaus : XXXX, XXXX, and XXXX. I want this to be removed from my credit report as agreed upon and will provide supporting documentation for this payment and agreement.