davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-09
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: Checkr, Inc (WV)

I applied for a job with XXXX as a driver, they requested a background check ( I of course accepted them asking to request one ). They requested a background check from Checkr IncXXXX and on the background it stated that I had TWO XXXX!!! The XXXX less than XXXX on XX/XX/2016 is CORRECT. However, the XXXX XXXX XXXX XXXX XX/XX/2016 is INCORRECT! I wasnt even pulled over for anything on this date let alone charged for another XXXX!! This will definitely effect if I get this up or not. PLEASE FIX THIS!
Consumer complaint received 2017-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I have an account with paypal, on XX/XX/XXXX, i requested {$150.00} out of my balance with them to be transferred to my linked checking account with XXXX XXXX XXXX Paypal apparently reduced this amount out of my available funds balance and shows the transfer to have been completed. 

However my bank never received this money as late as today, XX/XX/XXXX As a result my money is now neither with Paypal nor in my Banks checking account and im unable to use money that is rightfully mine Telephone calls made to Paypal multiple times have not resulted in any satisfactory action or resolution and the customer service reps at Paypal are simply not able to offer any reply to this
Consumer complaint received 2018-11-09
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)

There was nothing to explain further. I have been sending letters to XXXX   for months now and I have repeated myself over and over again. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED FROM MY CREDIT REPORT XXXX XXXX ( this account is being reported multiple times! ), XXXX/XXXX XXXX, XXXX XXXX ( account reported twice ), XXXX ( Original  Creditor : XXXX XXXX XXXX ) XXXX, Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2022-06-17
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act AD XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-11-09
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)

There was nothing to explain further. I have been sending letters to Experian for months now and I have repeated myself over and over again. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED FROM MY CREDIT REPORT XXXX XXXX ( this account is being reported multiple times! ), XXXX XXXX XXXX   XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX   XXXX ( reported duplicate on my credit report ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX -  XXXX XXXX ) XXXX, Chapter XXXX Bankruptcy XXXX-XXXX-XX/XX/XXXX
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

This is the second time I have request a removal of the fraudulent addresses from my credit report, and stated that I am a victim of ID theft. 
My Name is XXXX XXXX XXXX, please remove any other variations of my name. Please remove the following addresses, I do not live at and are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX, OH XXXX I would like the following phone numbers removed from my credit report as well, they are not mine : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2022-07-10
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)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX account # XXXX and XXXX XXXX XXXXXXXX account XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Recently, I did an investigation on my credit report which coused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2019-09-01
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. (NC)

Late Payments from XXXX XXXX/XXXX XXXX, showing on my report that I have resolved and bring up to date. The Dates for the late payments are : XXXX, XXXX, XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-11-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (CO)

I have sent XXXX $ through quick chase pay to XXXX account which is fraud account. I called my bank and asked to cancel my transaction as this is wrong transaction and filed claim. But chase claim reports says that I sent money and XXXX is not releasing funds. They are saying its not chase issue. They cant do anything. I need my money back from XXXX account. 
How can I proceed further
Consumer complaint received 2022-07-26
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: FIRST NATIONAL BANK OF OMAHA (CA)

On XX/XX/2022 an inquiry was placed on my XXXX report from FNB OMAHA. I do not recognize this inquiry nor did I authorize it ( Sign for it, etc ). 

I am requesting to have this inquiry removed ASAP. 

Thank you XXXX XXXX
Consumer complaint received 2018-11-09
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: Colony Brands, Inc. (NC)

XXXX appeared on my credit report as an inquiry on XXXX, Immediately calling them, I was advised that there is an account In my name with an active balance. I asked to have the account closed and marked as fraud and was advised that literature will be sent to me in the mail, I provided them with my address, as of yet I have not received anything from this company and they will not assist with rectification. I am unsure of how to prevent my credit from being damaged. The company name is XXXX XXXX.
Consumer complaint received 2019-09-01
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: AMERICAN EXPRESS COMPANY (MN)

I have been disputing a 30 day late payment that occurred on my American Express account in XX/XX/2018. American Express has refused to do an investigation into the matter so I escalated the issue to their corporate office and to the CEO 's office but nothing has been done. 

After reviewing my account with American Express multiple reasons why the late payment occurred : The minimum payment had increased around XXXX/XXXX 2018, but the auto pay did not make this adjustment. 
I submitted the payment on time, but it bounced back to the bank because American Express took down my incorrect bank account number to process the payment that bounced. 

XXXX XXXX acknowledged to me that the payment kept bouncing because American Express had the incorrect bank information to process the payment that kept bouncing. American Express representative made a mistake that caused my account to have a 30 day late payment. 


American Express is violating my rights under the Fair Credit Reporting Act Section 623 ( a ) ( 3 ). American Express never added the required sentence on my credit report stating, " Customer has disputed the validity of this account '' within the required 30 days of the disputed item.

American Express is also violating my rights under the Fair Credit Reporting Act Section 623 ( a ) ( 2 ) ( B ). American Express is not allowed to report inaccurate or incomplete information. 

The month in question of the 30 day late payment I had over {$7000.00} in my bank account and could of easily made the minimum payment or paid off the whole account in that statement period. 

I qualify for this removal of the late payment because I have never missed a payment before the incident or after the incident and there was negligence on American Express. American Express is reporting inaccurate, incomplete, and not verifiable information to the Credit Bureaus ( XXXX, XXXX, XXXX, etc ).
Consumer complaint received 2019-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OK)

XX/XX/XXXX, I started the process on refiling my income based plan and there is no way to file the paperwork electronically unless IRS data collection was configured when I was still a student and filing for FAFSA. Since I am in repayment I can't enable the feature that would let me file the annual form electronically. There is no excuse for a federal loan servicer to not have the ability to upload documents and forms digitally to expedite the process, especially considering the sensitive information that is sent via mail and preventing identity theft. 

The process is made more convoluted making it more likely for the deadlines to not be met.
Consumer complaint received 2019-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

My venmo card wont work that was around XX/XX/XXXX, I call venmo and has a long chat with costumer care and they said I should wait 2 days, even thought I have money on my balance, after the 2 days I still wont use my account, I call again they said it security system and I should wait another 7 days, after that, they send me a email saying my deals did not go well with there policy, so my account has been permanently deactivated, it was after calling and text them, they now told me I owned them XXXX . They said my provious account owns that amount. 
I never own venmo that amount, last year my XXXX got stolen and they use my account to send money from my account and when the bank come after venmo and venmo came after me to pay them. Even know after sending them police report, and up till now I can access that old venmo account. So because of that, they froze this my new account with XXXX $ in it. Saying they are holding on to my money for 180 days
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I recently reviewed mymEquifax credit report and I noticed there were inquiries and a account that I did not apply for and didn't look familiar or give authorization to, After reaching out to the CRA and the creditors, I was advised they did not have file of me applying for credit with their company but both insisted on pushing-back even though they know i let them know the items in question i did not belong to me and the creditors agreed that it is a violation of my consumer right under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and I want these items removed ASAP because it had a negative impact on my credit report
Consumer complaint received 2022-07-11
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. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX High Credit : {$2100.00} {$2100.00} Last Reported : XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

To whom it may concern, THANK YOU for taking the time to read this. I appreciate you. You're awesome. You're probably the coolest, nicest, hardest working, and best looking representative in your company. 

SOLUTION : I would like delinquent payment mark removed from my credit report. Please! I don't believe it is accurate. 

REASON WHY : I spoke to a XXXX XXXX representative on the phone because they called asking about my late payment ( it was not delinquent yet at this time ), and I told them the date AND the amount I'd be paying. I asked specifically if this would prevent a delinquent report. They said I would be safe. But shortly after XXXX XXXX still reported it as delinquent. 

Please remove this report. Thank you so much for being so awesome.
Consumer complaint received 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

In response to a denial of an extension of credit I checked with one or more consumer reporting agencies and detected inaccurate information being furnished to your company by XXXX. XXXX indicates that the information being furnished to your company is invalid. Your company is required to perform an investigation with regard to the accuracy of the information being furnished to it, and if found to be inaccurate is required by law to remove it.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. 
The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh 4XXXX XXXX XXXX XXXX XXXX ln XXXX, oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX 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, oh XXXX
Consumer complaint received 2018-11-09
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: Santander Consumer USA Holdings Inc. (GA)

My personal information was stolen according to a letter from the IRS/XXXX. Because the IRS/XXXX had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2018-11-09
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. (GA)

My personal information was stolen according to a letter from the Equifax and XXXX XXXX XXXX XXXX. Because these two companies had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2018-11-09
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. (IL)

I reached out to transunion to ask that the following inquiries be removed because they were not authorized. I also informed them that I reached out to the creditors as well. 
1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX  XX/XX/XXXX 6.XXXX/XXXX  XX/XX/XXXX 7. XXXX/XXXX XX/XX/XXXX 8. XXXX/XXXX  XX/XX/XXXX 9.XXXX XXXX  XX/XX/XXXX 10. XXXX  XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13.XXXX/XXXX  XX/XX/XXXX I would also like for them to move XXXX XXXX XXXX from my collections account. I contacted them I informed them that account is more than 12 years old. They put false information on my credit report. Also XXXX XXXX   account has been closed it doesn't show on my other report because the account was removed. However tranunion continues to place it back on my report.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

When I signed up for a secured card with Discover they offered a return of deposit via check or ACH. Over the last year I have checked online and with several reps that they payment would be returned via ACH and they have all confirmed that. Tonight I was told that check in the mail is the only way. 
I dont know how they can give the option of direct deposit, collect my banking information to make that deposit and then not fulfill that. 
This company is lying to consumers about credit cards and how we can get our money back and collecting sensitive information.
Consumer complaint received 2021-07-08
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. (NJ)

XXXX  IS REPORTING 11 FRAUDULENT INQUIRIES RANGING FROM XX/XX/2021 TO XX/XX/2021. XXXX  IS REPORTING 30 FRAUDULENT INQUIRIES RANGING FROM XX/XX/2021 TO XX/XX/2021. TRNAUNION IS REPORTING 19 FRAUDULENT INQUIRIES RANGING FROM XX/XX/2021 TO XX/XX/2021.