davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
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)

I did not give Experian consent to furnish the enclosed Accounts, nor the related data associated with the Accounts, on my consumer report. According to the Consumer Credit Protection Act, 15 U.S Code 1681b - Permissible purposes of consumer reports, subsection ( a ), Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instruction of the consumer to whom it relates. 

Since Experian furnished the enclosed Accounts, with their related data, on my consumer report without my consent, Experian has violated my privacy as a protected consumer. No consent is identity theft and misuse of my non-public personal information. Also, since subsection ( a ) of 15 USC 1681b is subject to subjection ( c ), Furnishing reports in connection with credit transactions that are not initiated by the consumer are limited to : ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor. 

The enclosed accounts furnished in my consumer report include relationships and experiences with different creditors and is a violation of the Consumer Protection Act. As a result of Experian 's failure to comply with the Consumer Credit Protection Act, 15 USC 1681b, my unalienable right to pursue happiness has been hindered. I have been denied access to purchase an automobile, perform much needed repairs on our home, and set up infrastructure for a new business venture because of Experian 's willful non-compliance. As a consumer protected by the Consumer Protection Act, I demand for Experian to remove only the accounts enclosed in the attached document from my consumer report IMMEDIATELY!
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I went to the Bank of America location in XXXX XXXX ( XXXX ). I deposited {$5000.00} into the atm for my account ending in XXXX, I realized that I was depositing into the wrong account so I canceled the transaction and received my {$5000.00} back from the machine. I then tried depositing all {$5000.00} into my other account ending in XXXX. The atm only accepted {$4900.00} and returned {$50.00} to me. When I confirmed my deposit the machine jammed and gave me a slip to contact customer service. This happened on XX/XX/XXXX between XXXX to XXXX PST. 

I called customer service on XX/XX/XXXX and they said they would open a claim. They gave me a temporary credit of {$4900.00} in my account on XX/XX/XXXX. I received a letter from them recently which was dated XX/XX/XXXX, in which they said that they have concluded their investigation and will only be refunding {$1300.00} to me. They also stated that they will debit my account for the difference of {$3500.00}. They state that the {$1300.00} is meant to be the final and permanent refund and they will be closing the dispute. 

This is completely unacceptable. This was a mistake that was due to their atm machine and there is no reason why I should take a loss for it.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted multiple disputes directly with the bureaus. The bureaus verify the account and do not remove. The creditor states they sent the account for deletion to the bureaus. The creditor states on XX/XX/2022 and XX/XX/2022 they sent a request electronically to the bureaus for deletion. I asked for help from XXXX XXXX, a credit monitoring service I subscribe to. XXXX XXXX representative XXXX XXXX called the creditor and verified that the account is not mine and that XXXX reports sending a request for deletion.
Consumer complaint received 2023-03-27
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. (MI)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2018-05-12
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. (IL)

I was a victim of fraud and received over XXXX hard inquiries on my TransUnion Report. I called to dispute and nothing has been done about it. I cant even get a card because of all these inquiries that were not made by me. And also there are accounts in my name that are not mine.
Consumer complaint received 2018-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (LA)

XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have submitted multiple disputes directly with the bureaus. The bureaus verify the account and do not remove. The creditor states they sent the account for deletion to the bureaus. The creditor states on XX/XX/2022 and XX/XX/2022 they sent a request electronically to the bureaus for deletion. I asked for help from XXXX XXXX, a credit monitoring service I subscribe to. XXXX XXXX  representative XXXX XXXX called the creditor and verified that the account is not mine and that XXXX reports sending a request for deletion.
Consumer complaint received 2022-06-18
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: Collection Bureau of the Hudson Valley, Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 also states a consumer report agency can not furnish an account without my written instructions. 

The company also refused to validate the debt and send me proof the balance is accurate in writing on our phone call on XX/XX/2022.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Dear, Bureau of Consumer Financial Protection ( CFPB ), Re : Dispute [ ing ] credit report error [ s ] I'm writing to request that the following information on my Equifax consumer report be rectified : On XX/XX/2022, XXXX 's XXXX XXXX reported the consumer 's Equifax credit score of XXXX, which was used to purchase a new automobile. However, my credit score is XXXX, according to my Equifax account as of XX/XX/2022. 

A XXXXpoint gap is concerning, and we need clarification on the cause and resolution of this documented disparity. 

If more information is needed to remedy this issue, please let me know. 


Respectfully your 's, XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

XXXX Original complaint about this filed on XX/XX/XXXX On XX/XX/XXXX I was notified by Venmo that there was a dispute with a payment I received and they were taking the funds back. I didn't have the funds in Venmo to cover the amount removed so I transferred the money back to Venmo immediately. I argued the dispute and the person that started the dispute canceled it altogether and her bank issued a letter on XX/XX/XXXX that the dispute had been dropped and the funds would be deducted back from her account. On XX/XX/XXXX, the funds were deducted from her account and returned to Venmo. I have attached documentation showing both of the claims. I had no idea she had canceled the dispute, so I was still waiting 75 days to hear what happened. I was contacted by the person who started the dispute on XX/XX/XXXX and was told that she had canceled the dispute and that I should have the monies owed to me. She provided the same proof I have attached for you to review. Venmo has had these funds since XX/XX/XXXX. I presented them the same attachments I provided you, and they still have not refunded me the money due to me ( {$1800.00} ), and I need it. 

I was contacted today, XX/XX/XXXX, by the sender, and they have never received the funds, and neither have I. They again provided proof from their bank that the funds were returned to Venmo after the sender canceled the dispute. The funds legally belong to me and should be sent to me.
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (MD)

On XX/XX/2020, An employee of the computer Company with the name XXXX XXXX/XXXX XXXX XXXX, defrauded me out of {$740.00} by diverting my payment to his ( personal ) Paypal account the company is aware of this fraud and fired the employee, but has not refunded the money that there employee defrauded me out of. 

the Co. instead is giving me the run around concerning my refund of {$740.00}. 


i have supporting documents concerning this fraud
Consumer complaint received 2020-02-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (CO)

Brinks and Netspend prepaid visa and mastercards I applied for were fraudulently stolen from me I never received them my mail was constantly stolen. My apartment was broken into several times at the XXXX XXXX XXXX XXXX, XXXX apartment I used to live in. I am suspicious of the suspects able to hack into my phone I was using, I would track phone numbers and get all transcripts from phone companies and all transaction history from XXXX   XXXX XXXX XXXX and all banks. The suspects also were able to hack into my computer from breakins and stealing my information. I never not once made a transaction with any card because I never received in cards from Netspend or Brinks. The suspects also hacked into cfpb.gov/prepaid and was able to steal my information which they had from breaking in my apartment and ordered several cards. Using address XXXX XXXX XXXX XXXX, XXXX as there address I would call XXXX XXXX XXXX  in XXXX, Colorado and see who has lived there. They also used XXXX XXXX XXXX XXXX the main office as a fraudulent address. This was from XX/XX/XXXX to present. I have suffered physical and mentally and went homeless because of the constant fraud.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (CA)

LendingClub Corp is reporting to the credit agencies that my account was closed in XX/XX/XXXX when they received a payment from me on XX/XX/XXXX.

They also have status that the account was included in bankruptcy which is a violation of bankruptcy laws and also after the account was close and they were still recieving payments after they reported the account close. 

Thank you
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I am a victim of Identity Theft I sent Experian an I D Theft report and they have not responded to me in in over 60 days this is beyond the FCRA allotted time frame. Experian is also reporting the same account ( XXXX XXXX XXXX ) XXXX under XXXX different account numbers
Consumer complaint received 2022-06-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (IL)

I got email from Discover on XX/XX/XXXX saying my account was blocked and I needed to call their security team immediately. I did so and waited for more than 3 hours on line while nobody answered and was just cut off. 

I tried multiple times from Monday to Friday from 8am to midnight, and waited for many hours on line just to get to talk to a human. There was no one to answer the call for this whole week. My savings account totally disappeared from my online banking and mobile app. 

I saved all my money in discover savings account, and now I can not access it and can not make any payment while no agent can help me solve this issue.
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Copy of email sent to State dpt There is more harassement to the story..Stranded in XXXX due to covid19 XXXX XXXX My card was blocked for trying to buy a XXXX XXXX ticket last XXXX They want a valid state driving licence front and back to unblock Im XXXX, dont drive anymore, old licence expired, besides I am stranded in XXXX due to Covid19 since XXXX.Need the card to buy air fare Do they have the right to refuse my State dpt issued US passport as an ID? 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-04
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. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update and remove negativity of the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-04
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. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update and remove negativity of the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

There is a collections amount of {$2300.00} from XXXX XXXX  that does not belong to me. The account number as shown is XXXX. In a previous complaint the account owner indicated they would mark this account as DISPUTED, however this is an error and the account should be REMOVED.
Consumer complaint received 2022-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (NY)

Fortiva is holding me accountable, for an account that was paid off in XX/XX/XXXX, and for the lost card reported in XX/XX/XXXX. Fraud was reported in XX/XX/XXXX, and charges were disputed. Fortiva is holding me accountable for late payments on a card, for XXXX, XXXX, and XXXX XXXX for a card reported lost in XX/XX/XXXX and not in my possession. This is being reported to XXXX XXXX, XXXX, and XXXX by Fortiva. 

I have requested, Fortiva in writing 6x ( six times ) to correct and remove the late payment reporting on the lost card. As of this month, XX/XX/XXXX. Nothing has been communicated nor resolved.
Consumer complaint received 2022-06-18
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: LEXISNEXIS (GA)

I was shopping for ( 2 ) vehicles. I was pre-approved by XXXX XXXX XXXX and XXXX XXXX. I had already selected my vehicles. When I went to the dealership to complete the deals and pick up the vehicles. The sales person and finance team toke it upon themselves to run my credit multiple times threw many financial institutions without my signed consent searching for a better deal that. I didn't ask them to do. I was satisfied with the companies that I chose. To submit my information over ( 40 ) times between the ( 3 ) credit buraus was abusive and excessive. I've contacted them several times via written communication and verbal phones calls only to get no satisfactory results. I've quoted all the Fair Credit act statutes that would pertain to my situation and they still refuse to remove theses items. Telling me there is no impact to my credit file it only counts as one point even though they were all done within one to two days apart. The impact is indeed affecting me credit score as well as credit character as a responsible consumer. I'm requesting that theses hard inquires be removed immediately.
Consumer complaint received 2022-03-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (CA)

https : //www.targetcashnow.com/ is a tribal lender loan. I was referred to them when I found out XXXX  had closed. I didn't realize the APR was 794.994 %. I borrowed {$800.00} and now I owe {$2900.00}. This should be illegal. 

I want an APR that is less than 25 %. I'd prefer to have the loan forgiven.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-03-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (GA)

I called Wells Fargo an told them I lost my job and couldnt pay for the vehicle any longer. So I cleaned the car then told them to pick the car up. After that they sold the car for {$40000.00} then sent me a bill for almost XXXX saying I had to pay the remaining balance. And I only owe {$37000.00} on the car. Now they have destroyed my credit. Please help.
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

My credit score dropped over one hundred points from XX/XX/XXXX, my score was XXXX. In XX/XX/XXXX my score dropped to XXXX. 
No late payments- no delinquent accounts with only three accounts, dept. to income ratio improved by selling a home.
Consumer complaint received 2020-02-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (FL)

While viewing my current credit report I noticed that there was a collection form Phoenix Financial Services regarding a medical bill. I have no knowledge of any medical bills. Please validate the accuracy and that the account is mine under FCRA guidelines. Including my signature and/or how you came up with the amount of {$1100.00}. All communication is to be through this website only. do not call email fax text or mail me. Please upload documents to this website only.
Consumer complaint received 2020-07-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carvana Group, LLC (GA)

Please review all attached documentation. Carvana never responded to my validation request, and they have violated me as a federally protected consumer. They never notified me of my right to dispute pursuant to 15 USC 1692g, and they never disclosed that this was an attempt to collect a debt pursuant to 15 USC 1692.e ( 11 )
Consumer complaint received 2019-10-22
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: EQUIFAX, INC. (OH)

Have multiple inquiries on my credut report from XXXX XXXX XXXX XXXX XXXX XXXX 3 hard pulls fraudulent. 

XXXX XXXX. 


I have contacted each and was told to contact the credit burea XXXX XXXX stated they would remove within 45 days XXXX and Equifax are telling me I cant dispute the fraudulent inquiries on my credit report. 

XXXX is also refusing to block XXXX XXXX and XXXX XXXX knowingly reporting fraudulent information