davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
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. (NJ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-12-27
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. (GA)

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX
Consumer complaint received 2023-11-29
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. states I have a 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. 

Also within this account, there are many reporting errors associated with this account.
Consumer complaint received 2023-05-14
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. (SC)

XXXX keep adding late fees to me credit report balance increased I dispute so many times.XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nv XXXX.
Consumer complaint received 2022-12-27
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. (NY)

XXXXXXXX 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 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit BureausXXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH
Consumer complaint received 2022-12-27
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 XX/XX/XXXX ; XXXX XX/XX/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 XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-29
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2023 I logged into my XXXX account to check my escrow balance and was shocked to find that it showed I was XXXX  days late on my XXXX loan payment and that the XXXX loan payment remained outstanding. 
As soon as I discovered that autopay ( which had been previously set up ) had not drafted the loan payment, I immediately scheduled both payments and called in to your offices to confirm the status and reconfigure auto pay. I now understand that the late payment on my account was a technical error caused by an auto pay failure. As such, I would like to dispute the late payment so that it does not affect my credit.
Consumer complaint received 2022-12-13
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. (FL)

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 Also violations of defamation of character Acct name : Department Of EducationXXXX Acct XXXX XXXX ( Dept of ED/XXXX ) 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( 5 ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law. 

According to my consumer account with XXXX, the Original Guarantor is DEPT EDXXXX XXXX HAS ALREADY DELETED and REMOVED FROM consumer report because their is no validation of debt between the consumer and company
Consumer complaint received 2023-07-20
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. (NM)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to delete this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair this inaccurate account in my file. 
XXXX  ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery LLC received their final payment as confirmed by XXXX XXXX XXXX  on XX/XX/2019 and Portfolio Recovery tells me they never received the payment and refuse to give me a payoff letter so that I can report the charged off settlement amount to the IRS.
Consumer complaint received 2019-12-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (GA)

I have been using Transferwise, Inc. for 4 months without an issue, but all of the sudden they, wthout reason, fraudulently deducted money from my account and will not refund the money. This is the case for 2 and possibly 3 trasactions. The items marked in red on the first page of the package that I included with this complaint are the transactions in question. 

Transferwise will not give me a reason for why they deactivated my account, nor will they give me contact information so that I can deal with someone with Transferwise, who can handle this, in order to resove the issue. The emails from Transferwise Support also state that they can't even contact anyone about this to get info or to try to resolve it. 

Business behaving in this manner should not be allowed to operate and should be held fully accountable for their actions and damages. 

Sincerely, Victimized Business Owner
Consumer complaint received 2022-01-27
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. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-03-05
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

On XX/XX/2022 I placed an order on XXXX ( ORDER # XXXX ) for a Husky 87641 Brute Electric Jack at a cost of {$400.00}. A couple of says later I noticed the same item was listed for less money and I attempted to contact XXXX and ask them to adjust the price. They refused stating I would have to return the item and order a new one at the new price. On XX/XX/2022, I placed an order on XXXX ( ORDER # XXXX ) for a Husky 87641 Brute Electric Jack at a cost of {$350.00}. 

On XX/XX/2022, I returned the first jack ( ORDER # XXXX ) via XXXX XXXX  XXXX XXXX The XXXX tracking number is XXXX. The item was received by XXXX 's depot the following day, XX/XX/2022. 

Based on XXXX 's policy I was supposed to receive a refund within 30 days of the return. Which did not happen. My XXXX account is linked to an XXXX store card issued by Synchrony Bank ( Account ending in XXXX ). I contacted Synchrony after the 30 day period ( and after multiple attempts to resolve the issue with XXXX ). 

Synchrony Bank attempted to process the dispute and I have provided them multiple times with the XXXX tracking number and other information, but they continue to state that I am not providing them with information. I contacted XXXX and thety told me that on XX/XX/2022 at XXXX PM XXXX, XXXX refunded to synchrony {$400.00} to resolve the dispute. Synchrony did not credit the refund to my account and continues to deny the claim. XXXX will not process a refund stating they returned the {$400.00} to Synchrony and consider the matter resolved. 

To date, I have paid twice for an item, of which I only have one in my possession. I have asked both XXXX and Synchrony Bank to provide any evidence of this XX/XX/2022 transaction and neither have provided me with the information. I'm left to conclude that Synchrony has received the funds from XXXX and are keeping it for themselves without properly crediting my account. This is unacceptable and I expect to have an amount of {$400.00} credited to my Synchrony account whether from XXXX or Synchrony Bank.
Consumer complaint received 2020-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc (CA)

Suart-Lippmann, & Associates , Inc. is aware that they are agents of XXXX who is currently under federal investigation ( EEOC ) as per the current case number : " This is a reminder that you have scheduled an interview with the EEOC to discuss the inquiry you submitted online ( XXXX ). Please note the following information about your interview : The interview will be by-phone Time of interview : XXXX XXXX  Date of interview : Friday, XX/XX/2019 At the time of your interview, please have the password for your EEOC Public Portal user account with you. 

If you are unable to keep this appointment, please reschedule or cancel it. 

Sign-in to Reschedule or Cancel Appointment '' As such, any and all debts assigned to this case are to be withheld pending the complete investigation by the EEOC.
Consumer complaint received 2017-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: First Data Corporation (CA)

Dear  Sirs, O ur company who name is    XXXX   XXXX   XXXX  , we  are a wholesaler and importer in  XXXX   XXXX , California over 19 years. We use the credit card merchant service from  First Data  under the contract ( account #  XXXX   ) s ince   XXXX   XXXX   until now.     Bu t First Data ha s increased the retail rate under our account without notifying and have over charged too much from our account during  XX/XX/XXXX - XX/XX/XXXX .The monthly statement  of First Data provided to us witho ut full detail which kind of credit card/retail rate and amount of charge /service fee of each transaction and each date always.     We have not got full detail of monthly statements of    XXXX   XXXX  -  XXXX   a nd over charge amount from First Data still after  over 40 days  difficult negotiate with   XXXX   XXXX  /  XXXX   XXXX  /  XXXX   XXXX  /  XXXX   XXXX   of  First Data  since   XXXX   XXXX   until today.     According to the program guide, accompanying the merchant application and agreement between  XXXX   XXXX   XXXX  and  First Data : Sub ject to section  XXXX , we als o may increase our fees or add new fees for services for any reason at any time, by notifying you twenty ( 20 ) day 's prior.      It is our right that  XXXX   XXXX   XXXX  as a senior and value customer of  First Data to know full detail of charge of each transaction/each date and get back full   amount of over charge from monthly statements which kind of credit card/retail rate and amount of charge/service fee during    XXXX   XXXX  -  XXXX   w hich all in  one page from First Data base on our retail rate have been increased and have been over charge our account without any notifying by First Data.
Consumer complaint received 2023-11-29
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. (NY)

Sent letter ( written : XX/XX/2023 + XX/XX/2023 ) to Experian requesting for original contract which should include a signed agreement whether that be from original or third party lender. This information was not received, even after 'Disputed Results ' The Person ( XXXX XXXX XXXX  ) did not have my address, it seems that they've had another address that I'm not associated with ( called USPS to inquire and picked this mail up, ) then sent a letter to my home address which became an invasion of my privacy after inquiring information with Experian instead of unauthorized lender.
Consumer complaint received 2019-02-14
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. (KY)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my XXXX, Transunion, and XXXX  credit report. 

2. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my XXXX, Transunion and XXXX credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my XXXX, Transunion and XXXX  credit report. 

4. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

5. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report.

7. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

8. The inquiry was not authorized XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

9. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

10. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

11. The inquiry was not authorized XXXX XXXX  Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

12. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

13. The inquiry was not authorized XXXX XXXX XXXX  Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

14. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

15. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

16. The inquiry was not authorized XXXX XXXX XXXX  Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. They are all non-permissable inquiries that I did not authorize in writing, It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a  ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2023-09-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (MI)

Affirm is a installment loan company, been using them for YEARS. Recently had two transactions that I AM PAYING FOR, that I did not process, one is over XXXX the other is also over XXXX. So basically XXXX approximately. Loan ID 's are XXXX and XXXX. It is total XXXX. They can't give me the name on one loan, one is for XXXX they have NO RECORD of me purchasing any item or ANY RECORD of the Virtual card #. I've told them this REPEATEDLY. In order to insure this doesn't hit my credit I've paid one item off the other is still XXXX left to be paid. I haven't had a response from their so called " investigative '' team in over 3 weeks. I want my money back, I will NEVER use this company again, I sent a message to the CEO and founder on linked in, USELESS. 

XXXX XXXX XXXX
Consumer complaint received 2022-01-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

My name is XXXX XXXX, I accidentally send Adivine Spiritual Healer {$440.00}, I immediately disputed the transaction. I even XXXX this young lady and asked her to refund my money back. She informed me that she wasn't able to refund and only had the option of disputing the payment. She submitted a dispute saying she didn't know me and refund back the money. After speaking with your supervisor XXXX XXXX ID XXXX today XX/XX/2022 at XXXX PM EST, information of the response from the seller XXXX XXXX XXXX. I asked for my refund to be released now due to the seller response in regards to the dispute.