davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
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)

I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was 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. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX bank account number-XXXX  XXXX XXXX XXXX XXXX BANK XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCYXXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Accordance with the Fair Credit Reporting ACT XXXX Account XXXX XXXX XXXX Texas has ben 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 WRIITEN INSTRUCTIONS.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion Credit Bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00}
Consumer complaint received 2019-07-30
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. (FL)

I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Equifax did not provide evidence. CFPB step up and delete XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX   XXXX XXXX ( ORIG CREDITOR : XXXX XXXX   XXXX )
Consumer complaint received 2022-05-25
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 a mistake to close my PayPal account. I am using my Paypal account for my online business and transaction for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

For Identity verification, I attached my Valid ID. Please see attachment.
Consumer complaint received 2019-11-23
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: ID Analytics, Inc. (NY)

My identity has been compromize, accounts that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's into to this complaint, a plolice report will be filed as is requested by FCRA.
Consumer complaint received 2022-05-25
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. (MO)

these accounts are in violation of 15 usc 1681 e b- accuracy of a report, states the furnisher/consumer reporting agency is responsible for reporting maximum possible accurate when it comes to a consumer ( me ) report. I sent a dispute letter displaying this information and saying it needs to be removed due to inaccurate reporting of multiple items causing my credit report to not be accurate : payment status, account status, date opened, account #. 
these accounts all have multiple inaccurate information that the bureaus are not be held liable for reporting accurately. 
XXXX, XXXX XXXX XXXX, Original Creditor the unauthorized use of my information under 15 U.S. Code 1602 ( p ), I did not authorize nor do i have actual accounts from these implied cardholders. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- 15 usc 1666 b- timing of payments. 
I sent in as well a dispute letter stating I have never received a statement from them 21 days before I am to pay my statement and on top of that when I did receive it which is usually 5 days before its due if it was to come in a negative form I would've paid it, but it came in a positive form. They reported XXXX late payments are not accurate because the bureaus didn't hold the furnisher 's responsible for upholding the laws provided. These were all that I have attempted to resolve multiple times to dispute with the XXXX bureaus and they told me these items were validated even after detailed descriptions of the fcra/fdcpa laws and what my credit report reflected. So that i dont have to continue housing a inaccurate report causing me a great deal of distress, I demand these items be removed from my credit report and I be sent from each bureau an updated credit report reflecting changes made.
Consumer complaint received 2019-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendUp Loans LLC (TX)

This account was paid in full and was only taken out for {$100.00}. It's been reporting behind by 120 days for the past four years which is inaccurate information. I've contacted the company extensively to fix this issue but they refuse. Even if the account wasn't paid in 2015 when I took the loan, it shouldn't report behind by 120 days indefinitely.
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (TX)

.I filed my orginal claim against this company because they where reporting inaccurate information on my report which they refused to verify belong to me. They responded via CFPB that they would cease all collections activities on the account and I have attached the letter. The same day the repeated harrassed me calling me multple times. I have attached the screenshot. The lady called the first time and I amsweredtelling her not to call back. As you can see they called again and I did not answer. I told the lady on there recorded line they should not be contacting me and it was illegal. She advised she would place me on A DNC list but according to the orginal response from ERC that was already suppose to be done. Another law broken from this company. I have reached out to an attorney to pursue legal matters since they have knowingly harrassed me after There should have been no contact noted in the orginal response
Consumer complaint received 2022-05-25
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. (DC)

XXXX XXXX has been violating me and has willfully continued to do so. After multiple consumer reports this item has yet to be removed or corrected. every item that's on my consumer reports suppose to be reinvestigated so how am I still recognizing inaccuracies. 

15 U.S.C. 1681n ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( a ) ANY ACTUAL DAMAGES SUBSTAINED BYT THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00}, WHICH EVER IS GREATER ;
Consumer complaint received 2021-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I want somebody to please pay attention to my letters and the proof I keep sending in!!!!! I sent XXXX letters and I'm not getting any help with my credit reports. 
I am having a few problems with Equifax because they are ignoring my letters and the evidence that I mailed in. I'm trying to buy a house and Equifax is stopping me because so many problems with my credit report. I hope this agency is able to help me with my consumer rights because I am being ignored by Equifax. 

# 1 Problem with Equifax is I sent a letter to equifax on XX/XX/XXXX asking them to remove someone else name and date of birth from my credit report and they did not delete the incorrect names or birthdays. I sent my driver 's license and utility bill so they can correct my name, birthday and address and Equifax FAILED to make the corrections. My credit report dated XX/XX/XXXX is attached still showing someone else name, birthday and addresses on my credit report. I want this deleted right away! Equifax has no excuse to have somebody else information on my credit report. 

# 2 Problem with Equifax is On XX/XX/XXXX I sent Equifax a letter and a copy of my credit report with my driver 's license again because someone else accounts are on my credit report. Equifax claimed they verified this but it's impossible because I know for a fact the account not mine. I wrote a letter to XXXX to get information on the account and they did not send me anything either. XXXX is on my credit XXXX  times and I never been to XXXX College of Wisconsin. I also wrote to Equifax and XXXX XXXX because this account also belongs to someone else and XXXX and Equifax is still ignoring me. 

# 3 Problem with Equifax is 2 Collection accounts XXXX  XXXX  XXXX is showing 120 days late. XXXX  XXXX  XXXXis also showing 120 days late on my credit report. I wrote to Equifax and asked them to delete this and again, my letter was ignored. I wrote to the collection agency also and asked who the original creditor is and how are they reporting a collection account 120 days late because I know I read something that said a collection account cant be reported late on a credit report because thats against the law but Equifax and XXXX ignored my letters. My credit report is still showing this collection account as late. 

# 4 Problem with Equifax is that I sent Equifax another letter on XX/XX/XXXX about the accounts still being on my credit report after I provided proof that the accounts couldnt be verified accurately and my letters keep getting ignored. Equifax did not respond to my letter and none of these collection companies responded to my letters.
Consumer complaint received 2015-11-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: One Source Technology (TX)

I am seeking your help diligently because I was denied a job for a background check. The hiring manager claimed everything was a go and I did the drug screening, fitness exam, and even a XXXX physical to find out later on that human resources denied my employment. I applied to be a XXXX for XXXX XXXX who in turn used ASURINT ( background company ) to run a background. After being denied because of this, I researched and found out that ASURINT should not have gone back further than 7 years into my past especially if the jog was going to pay less than XXXX per year. XXXX things based upon my preliminary research. 1. ) Background check : 7 years back ( 2 ) Makes less than XXXX per year. I thought E.E.O.C., F.T.C., and you all had rules in place regarding hiring people.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LDF Holdings, LLC (SC)

I requested debt validation with this company via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. My letter was very clear and concise. I asked for the company to provide me with true debt validation IN WRITING : My letter also states : " Until proper validation is provided, you are to cease all collection efforts. '' I also requested in my letter that no telephone contact be made by the company, and that any correspondence with me MUST be done in writing via USPS. 

The company has ignored my requests, and has repeatedly attempted to contact me via telephone. I have also received XXXX emails from different email addresses that seem to be referencing this alleged account. 

I have received nothing from this company in writing. 

The first email was sent on XX/XX/2022. In that email, it states that multiple phone call attempts to collect this alleged debt have not been successful. This email is threatening in nature. This email goes on to say that my alleged balance can continue to accrue interest and fees which will raise the alleged balance. This email does not give an alleged amount owed. 

The second email was sent on XX/XX/2022, and this email only suggested that I start a dialog with this company online to settle an alleged past due balance. Again, no amount owed was included in the email. 

The last email I received was on XX/XX/2022. This email stated the company was reaching out to me to invite me to their new online platform that would allow me to settle my alleged account, set up a payment plan for the alleged account, or pay off in full the alleged amount owed, which is still unknown as it is not included in this email. There is a link that says " Click here to Make an Offer. '' The company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The company continues to harass me via telephone and email every week, and the company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting. 


.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Credit Bureau Central Inc (MS) (CA)

In accordance with fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy. 
15 USC 1681 section 604A section : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : a Creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (VA)

I was scammed by a person online for several transactions that total {$6200.00} through Cashapp in XXXX and XXXX of XXXX. Cashapp ruled in my favor that these were fraudulent and on XX/XX/XXXX and promised to refund them on XX/XX/XXXX. ( I have attached the communication from cashapp disputes promising the money within XXXX business days credited back to my ( Now Closed, yet the checking account is still open ) debit card ending in XXXX. The money never showed. I reached out to cashapp support via email phone and chat. I have provided files that show these interactions. The only answer I get from Cashapp support is that cashapp shows that they refunded me the money on their end. I never get a different answer or another way to get the money refunded back to me. They only say that they refunded me and hang up on me or stop communicating. XXXX email, they no longer communicate with me. I asked for them to send a check instead and they do not answer me. I am being ignored. I reached out to my bank ( XXXX ) and they escalated the issue and researched. They found no pending refunds of any kind posted to any of my cards ( Active and Inactive ) or accounts. They said no attempt to refund me was made by Cashapp at all. ( I have provided a letter from XXXX stating such. Cashapp refuses to attempt the refund again or get me my money in another way. I was advised to inform cashapp of what XXXX found and XXXX bank advised me to come to this site to try and get my refund from cashapp. 

Cashapp denied my complaint with lies. My bank provided proof that they did not receive any refund yet cash app came back from a previous dispute saying they refunded me without proof.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Continental Services Group, Inc. d/b/a ConServe (GA)

I submitted a dispute through XXXX for a collection account that was paid off same year that it was reported. The collection was for an amount of {$380.00} and was paid in full in XXXX. I contacted ConServe to request that they remove this from my credit report. They denied the request stating this was in their policy. I do not agree with ConServe constant reporting to the credit bureau if it has already been paid in full and closed. 

I also attempted to have XXXX XXXX XXXX removed an account that had 2 missed payments. The account was closed and paid in full in XXXX. I also attempted to called but received a rejection notice. 

These two accounts are the only 2 accounts that are preventing me from getting a mortgage.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TX)

Cricket debited my account after I transferred my line to tmobile. XXXX hs a no refund policy & since i dont have an account they told me to contest it thru my bank. XXXX charged my cash app card so i contested it & cash app denied it. I contested it again and denied it and advised no error was made. I need tht money back.
Consumer complaint received 2022-05-25
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Experian Information Solutions Inc. (IL)

Account number:XXXX XXXX XXXX XXXX XXXX 15 u.s.c section 1681 section 602 a state I have right privacy 15 u.s.c section 1681 section 604 a section can not finish account without my signature
Consumer complaint received 2019-11-23
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: SYNCHRONY FINANCIAL (TX)

On XX/XX/2019 I was routed to an employee with XXXX  by the name of XXXX employee ID XXXX. When I attempted to find out why my credit score went from XXXX to XXXX, because the notification stated that the " consumer disputed the account '' which I knew this was not true he advised me that in order for me to obtain that information. I would have to pay {$15.00} to receive my credit score verbally or to have the remarks read to me that were left on my credit file. 

I immediately stated that I would like to speak to a representative in the United States. Every time I call XXXX  I am routed to an International representative. XXXX employee ID XXXX routed me back to the United States in order for me to get the information that was requested, but upon obtaining that information. I found that the remarks were reported incorrectly neither I or my credit card provider had reported that I was disputing the entire account. 

When I contacted XXXX  I couldn't even get anyone on the phone they have an automated systems that refuses to put you into contact with any live representative. 

Regarding Synchrony Bank. I would like to know why they are changing accounts numbers on accounts that if ever need to be referenced would no longer exist under the same account number?