davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA  XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX 
XXXX Experian XXXX XXXX XXXX XXXX, TX  XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX 
XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA  XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX 
XXXX
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2019 I received a promotion on my email from Bank of America exclusively for me were they offered me {$300.00}, If I open a new checking account with them. The terms were after qualifying direct deposits of {$4000.00} in 60 days. 
I opened an account and qualified with the terms. On XX/XX/XXXX I called Bank of America to check the status of the {$300.00} dollars and they told me that I was not included in that promotion. I gave them proof of the email I received on XX/XX/2019, p and they asked to start an escalation which I did and that I had to wait 7 business days. I called after 7 business days for a second time and I was told to wait 30 more days because takes 30 days now. I did called again yesterday after 90 days since account was opened and asked for the status of my {$300.00} and results escalation. Now I was told that had to wait 60 more days! I asked the person that I was given different information every time I called Bank of America.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent various letters on XX/XX/21, XX/XX/21 and XX/XX/21 to the credit bureaus regarding these collections accounts and I have yet to receive any letter regarding their investigation nor no validation, within the time allowed by federal law.
Consumer complaint received 2021-06-21
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: Experian Information Solutions Inc. (TX)

In XX/XX/2021 I filed a dispute with Experian regarding the multiple bankruptcies with similar filing dates that they are reporting. They responded that XXXX verifies and validates the public record information that they are reporting. Around the same time I called XXXX and they were unable to locate a file matching my name, dob, and address. They also advised that they download data from the Pacer system that does not provide social security numbers, and dates of births. XXXX stated that Equifax is responsible for matching this data to date in their credit file to ensure the accounts are reported to the correct person. I have asked Experian multiple times how they verified and validated that these bankruptcies belong to me without using my social security numbers. They responded that they verified this information with the US Bankruptcy Courts. Please see the attached letter from the US Bankruptcy Court showing that Experian lied and did not actually validate or verify the information they are reporting. In fact they fraudulently reported inaccurate information knowing they never actually verified this data.
Consumer complaint received 2021-06-21
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: EQUIFAX, INC. (TX)

In XX/XX/2021 I filed a dispute with Equifax regarding the multiple bankruptcies with similar filing dates that they are reporting. They responded that XXXX verifies and validates the public record information that they are reporting. Around the same time I called XXXX and they were unable to locate a file matching my name, dob, and address. They also advised that they download data from the Pacer system that does not provide social security numbers, and dates of births. XXXX stated that Equifax is responsible for matching this data to date in their credit file to ensure the accounts are reported to the correct person. I have asked Equifax multiple times how they verified and validated that these bankruptcies belong to me without using my social security numbers. They responded that they verified this information with the US Bankruptcy Courts. Please see the attached letter from the US Bankruptcy Court showing that Equifax lied and did not actually validate or verify the information they are reporting. In fact they fraudulently reported inaccurate information knowing they never actually verified this data.
Consumer complaint received 2020-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

WE HAVE BEEN USING PAYPAL SINCE LATE LAST YEAR OR EARLY THIS YEAR BUT WE HAVE HAD MORE THAN A FEW TRANSACTIONS THAT WERE PROCESSED VIA PAYPAL, SO WE ARE NOT NEW. WE HAVE HAD SOME TRANSACTIONS OVER A {$1000.00} AND THIS TRANSACTION IN QUESTION IS FOR A FURNACE INSTALLATION WHICH WAS COMPLETED AND PAID FOR ON XX/XX/2020. PAYPAL INFORMED ME THAT THIS IS AN UNUSUAL TRANSACTION AND OUR MONEY COULD BE HELD FOR 3 WEEKS! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WE ARE AN HVAC COMPANY WE HAVE MANY TRANSACTION THAT ARE LARGER THAN THAT THEREFORE IT IS NO REASON AND THERE IS NOT A CUSTOMER DISPUTE REGARDING THE MONEY EITHER THE CUSTOMER IS VERIFIED AND I PERSONALLY KNOW THE CUSTOMER WHICH MAKES THIS WORST. WE NEED OUR MONEY AND I WILL NEVER PROCESS PAYMENTS VIA PAYPAL AGAIN FOR MY CUSTOMER TRANSACTION THEY ACT LIKE THEY ARE LOANING ME MONEY I HAVE EARNED AND NEED TO SURVIVE! 

NO ONE ANSWERS THE PHONE AND YOU CAN'T COMMUNICATE VIA EMAIL OR ANY TYPE OF CORRESPONDENCE. PAYPAL CUSTOMER SERVICE IS NOT FUNCTIONING AT ALL PER THEIR MESSAGE, SO WHO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX STOP THE PAYMENT FROM PROCESSING TO OUR ACCOUNT
Consumer complaint received 2024-03-19
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. (VA)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXX XXXX Balance : {$4600.00}
Consumer complaint received 2020-04-07
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)

TransUnion LLC XXXX. XXXX XXXX XXXX, PA  XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX 
XXXX XXXX  XXXX XXXX  XXXX XXXX, TX  XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX 
XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA  XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX 
XXXX
Consumer complaint received 2020-04-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

Experian lowered my score 20 points after my balance increase and payoff of my credit cards. I have an exceptional payment history and my balances are at 6 %. I called and they stated that they are not credit experts and they don't know why my score lowered. I have never paid down credit cards to see my score drop 20 points in one day after a card has been paid off. I believe they are purposely lowering score to promote their credit boost application. I called a few of my friends and similar complaints have happened. They have offered no explanation and provided no attempt to resolve or investigate the inaccuracies. Also I have disputed addresses and names that aren't mine and those inaccuracies remain on my report.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXXXXXX XXXX Balance - XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXXXX Balance {$190.00} XXXX XXXX XXXX Balance - XXXX XXXXXXXX XXXX Balance - XXXX  XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX Balance - XXXX XXXX Balance - XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$210.00} XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX  XXXX XXXX Balance {$3000.00} XXXX XXXXXXXX XXXX XXXX : {$190.00} XXXX XXXXXXXX XXXX XXXX : {$180.00} XXXX XXXXXXXX XXXX Balance : {$120.00} XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Balance : {$43.00} XXXX XXXX XXXX ( XXXX XXXX XXXX  ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance {$820.00} XXXX XXXX XXXX ( XXXX XXXX  ) XXXX Balance {$840.00} XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX ( XXXX XXXX ) XXXX Balance {$400.00} XXXX XXXX XXXX Balance {$1900.00} XXXXXXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Balance {$7800.00} XXXXXXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Consumer complaint received 2023-02-06
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. (CA)

In accordance with the fair credit report act. The list of accounts below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 
Account : XXXX XXXX XXXX XXXX # off account XXXX amount {$6700.00} date opened XX/XX/XXXX Account : XXXX XXXX XXXX # of account XXXX amount {$5200.00} date opened XX/XX/XXXX Account : XXXX XXXX # of account XXXX date opened XX/XX/XXXX 15 U.S.C 681 section 602 A states I have the right to privacy 15 U.S.C 681 section 604 A section 2 it states a customer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no customer reporting agency may make any report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a customer to any customer reporting agency if the person knows or has responsible cause to believe that this information is inaccurate.
Consumer complaint received 2021-06-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CA)

ive been constantly harrassed by XXXX XXXX for a bill i have no recollection about. i have tried to contact them to fix the solution to get off my record and no agreement can be made. i produced my affidavid and forms and they refuse to acknoledge it.its been months and its still affecting me. its the collecting agency named covergent amount of bill are XXXX for XXXX bill and XXXX for a XXXX bill oppened fradulantly
Consumer complaint received 2022-10-14
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: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-20
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. (NY)

on XX/XX/2021 I sent out a dispute via certified mail receipt : XXXX, regarding inaccurate and unauthorized information being furnished on my consumer report. Till this day I have not gotten any response nor resolution to my disputes, I am being ignored and my rights are being violated. I have contacted them multiple times only to be ignored. they are in violation of federal law 15 USC 1681 a ( 2 ) ( B ) for furnishing information that should not be included in a consumer report. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Linebarger Goggan Blair & Sampson LLP (MS)

I recieved a letter from a law firm : Linebarger Goggan Blair & Sampson LLP that they were representing the City of XXXX, TX. I stated that I owe XXXX to the City of XXXX, TX. I have never been to XXXX, TX in my life. I have no idea to where the city is even located. They treated to have me arrested. 

I researched the company and they have a 97 % negative comment ratio on their profile with the XXXX. This is a scam and these are absolutely false allogations. I will not stand for this from any business. Like I stated earlier, I have never heard of XXXX, TX more less been there. 

I am will file a lawsuit against the collection agency for a violation of the FDCPA if the false claims against me are not dropped and /or if they contact me again in any way. I also have contacted my state attorney general and the Federal Trade Commission to complain about the false claims made against you by the collection agency. 

XXXX XXXX
Consumer complaint received 2021-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Someone fraudulently opened an account with XXXX XXXX XXXX I had never heard of them until they showed up on my report. 

I called them twice and twice I was told someone would call me or email. That has not happened and the account is negatively affecting my credit score. 

Ticket XXXX XXXX XXXX ticket XXXX Fraud account ticket number XX/XX/2021 Account shows that it was opened on XX/XX/2021 And again I never opened an account with them. This is a very bad company and there is lots of complaints about fraudulent accounts and people getting a run around to try and get their names cleared. What it shows is that they have a very poor way of verifying people that are applying for loans. Its leaving me personally with a credit score that been affected and I cant buy a home because of their incompetence. They are very very hard to reach to get anything resolved.