davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-15
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. (FL)

ON XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS. 

EXAMPLE : CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

ISSUE 1 ) STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A SETTLEMENT TO PAY OF THE ACCOUNT IN THE AMOUNT OF {$960.00} ON XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. 

ISSUE 2 ) CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

ISSUE 3 ) CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE ACCOUNT WAS PAID IN THE SETTLEMENT ON XX/XX/XXXX. 

ISSUE 4 ) COMMENT SECTION STATES ACCOUNT PAID FOR LESS THAN FULL BALANCE. THE SECTION SHOULD READ ACCOUNT WAS PAID ON SETTLEMENT AGREED BY CREDITOR. 

ISSUE 5 ) THE 81-PAYMENT HISTORY IS INCORRECT AS THE CO STATUS FOR XXXX XXXX, XXXX, XXXX IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

ISSUE 6 ) THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT FAILS TO STATE FOR YEARS XXXX, XXXX, XXXX, XXXX. 






ON XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS. 

EXAMPLE : CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

ISSUE 1 ) STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A PAYMENT IN FULL IN THE AMOUNT OF {$300.00} DATED XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. 

ISSUE 2 ) CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

ISSUE 3 ) CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

ISSUE 4 ) THE 81-PAYMENT HISTORY IS INCORRECT AS THE CO STATUS DATES IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

ISSUE 5 ) THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT FAILS TO STATE FOR YEARS XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2018-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arbor Professional Solutions, Inc. (MI)

XX/XX/2018 I received a receipt from a collection agency Arbor Professional Solutions. They reflect in the receipt the initial balance of {$1000.00} and the current balance as XXXX. They also sent the same information to XXXX and XXXX however they refused to report the balance was paid in full and the account is closed. They are acting as a lender and not a collection agency. They are refusing to report account was paid in full and the account is closed. I reported to both credit reporting bureaus and filed disputes but the disputes have been unfruitful in closing out the problem.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (NV)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This just proves that 3 Credit Bureaus is lack proper record keeping. The Bureaus are required to verify for themselves but I will go ahead and remind you that this accounts were paid, closed, and no longer active. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove these accounts immediately. 

AMERICAN EXPRESS XXXX XXXX XXXX, XXXX {$9100.00} ; AMERICAN EXPRESS XXXX XXXX XXXX, XXXX {$9100.00} ; AMERICAN EXPRESS XXXX XXXX XXXX, XXXX {$1600.00} ;
Consumer complaint received 2020-02-15
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: DISCOVER BANK (OH)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX  XXXX  10 rookie card on XXXX.after receiving the card I notice it did not appear authentic I contacted XXXX  and sent the card in and they confirmed with a certified letter that it was not an authentic XXXX  10 graded card. I I first contacted the seller he came very defensive it said I must have done something to the card and refused to refund my money. I then contacted XXXX who said since I paid through discover they recommended I file a dispute with them. Now on XX/XX/XXXX discover denied my dispute saying the transaction was found to be valid since I received a card. I again contacted discover who stated that they couldn't do anything more for me and I should contact XXXX or look up online what other people have done in this situation. 

I have never missed a payment before and my credit score was over 800 before this. I want this removed from my credit report while I continue to dispute this.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

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 2017-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

My  XXXX  credit credit card account which was in good standing has been closed since    2011. I want it removed from my credit reports. When I applied for a credit card limit increase I was originally denied because of the  XXXX  credit card account on my credit reports even though it was closed since 2011.
Consumer complaint received 2022-12-15
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. (MI)

Greetings. I'm writing this letter to dispute and remove some items from my credit report that is NOT permissable by law, and also was shared WITHOUT my written consent. Listed below are some of the items. 
ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX DEPARTMENT OF EDUCATION ACCOUNT XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX DATE XXXX ACCOUNT NAME- XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXX XXXX  ACCOUNT NUMBER- XXXX XXXX XXXX XX/XX/XXXX ACCOUNT NAMEXXXX XXXX XXXX XXXX. 
ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX First and foremost, I would like to mention Public Policy HJR of XXXX a.k.a Public Law XXXX which suspended the GOLD Standard and exempted US citizens from paying XXXX, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.c 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I DEMAND be removed IMMEDIATELY. Also according to 18 USC 1028A if I did NOT give TRANUNION, XXXX, and XXXX, written consent to furnish this information, that would indeed be identity theft. As of the student loans, XXXX5 U.S.C 6802 such financial institution clearly and conspicuously discloses to the consumer, in written form or other form permitted by the regulations prescribed under section 6804 of this title, that such third party. I have listed the accounts above, and I DEMAND each and EVERY ACCOUNT AFOREMENTIONED ABOVE BE REMOVED IMMEDIATELY.
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

Back in XX/XX/XXXX, I filed two CFPB complaints about Equifax because my credit report was blank other than1 fraud that I had a police report for being a victim of identity theft. Equifax finally updated my account and removed the fraud account. Since then several updates have happened that didn't really cause concern little things. Now at the beginning of the year, XX/XX/XXXX Equifax has removed almost all of my accounts from my credit report. My credit report is showing that I have a credit history of 1-year which is completed inaccurate. Please see attachment that shows 13 accounts were removed from my credit report. Please also see that the fraud account for XXXX XXXX XXXX that Equifax told CFPB that was removed in XX/XX/XXXX was actually added back at some time and removed again with all my real account information. I went from a blank file with fraud information, to a somewhat completed file to a no history file. The credit reporting agency should report accurate information and it seems like Equifax is reporting anything it wants to report instead of the accurate information. Credit agencies should not be able to alter someone's credit history by just removing current and past credit accounts..
Consumer complaint received 2020-02-15
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)

several letters sent to the credit reporting agency asking to validate the debt, police report filed and sent to credit agency requested several times via section 609 of true validation. agency reported back verified, not validated. complaints filed with ftc and multiple letters sent asking for validation. have tried to call in and no help. 
collection remains unvalidated and has been removed from other credit reports Jennifer CUSHMAN, Plaintiff, v.

TRANS UNION CORP., Defendant.

No. 95-CV-1743.
Consumer complaint received 2020-02-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A. (NY)

Citi bank online service, XX/XX/XXXXI pay off check plus {$4800.00} ,XX/XX/XXXXtransfer {$1200.00} to check account, XX/XX/XXXX, transfer $ XXXX,XX/XX/XXXX transfer $ XXXX,XX/XX/XXXXtransfer {$3100.00} total will be {$6500.00}, but after I make transfer {$3100.00}, the check plus show the amount I owe is $ XXXX.the mistake different amount about {$900.00}, citi online service always have problem. I complaint citi onXX/XX/XXXX. if service always not incorrect how we can trust, they agree, and told me will correct amount in next statement day, XX/XX/XXXX.I was ask correct right now but they refused, so I need wait untill XX/XX/XXXX.
Consumer complaint received 2020-02-15
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. (TX)

several letters sent to the credit reporting agency asking to validate the debt, police report filed and sent to credit agency requested several times via section 609 of true validation. agency reported back verified, not validated. complaints filed with ftc and multiple letters sent asking for validation. have tried to call in and no help. 
collection remains unvalidated and has been removed from other credit reports Jennifer CUSHMAN, Plaintiff, v.

TRANS UNION CORP., Defendant.

No. 95-CV-1743.
Consumer complaint received 2022-12-15
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)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 



The fraudulent items are XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bliksum, LLC (CA)

On XX/XX/2018 Loanme filed a complaint against me in the Superior Court of California , County of XXXX XXXX. Case Number XXXX. 

They contacted my employer numerous times harassing human resource department, threatening to visit my employer. 

They sent someone by my employer and tried to serve me at my place of employment twice. They actually served papers to my human resources department. 

The continued their harassing calls to my employer and this cause undue hardship with my employment and threatened my employment. I could of lost my job. It did do damage to my reputation as a XXXX and for this I am marked by employer as not being financially stable. 

Fair debt collection practices laws were violated and I am seeking a correction. 

I went to court and paid this bill in full. This bill was not charged off but paid in full. 

I want this account totally removed from my credit report. I paid over the amount that I borrowed. I called the company and tried to work out a pay off of the account, but when I called they would not take allow me to pay off the account. Then the collection activity started. I have proof that envelopes were sent to my place of employment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. They addressed the envelop to my employer so they would open it and read it and know all my personal affairs of this loan and the complaint that was filed in Superior Court. 

This is a direct and planned strategy of LoanME and should not be tolerated.
Consumer complaint received 2020-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AK)

My name is XXXX XXXX. OnXX/XX/2020. I had sent money to a lady named XXXX XXXX on PayPal account ( XXXX ) The first amount was {$1000.00} and the second one same day was {$100.00}. Altogether it was the amount to {$1100.00} Her partner XXXX XXXX advertised for an apartment for rent XXXX XXXX XXXX  XXXX AK for {$500.00} security Deposit and {$850.00} for rent. Altogether {$1300.00} and I was {$250.00} short and they said I can pay when I go to XXXX. 
The number they gave me was XXXX for XXXX and my bf and I would text him since then and even before payment since ending of XXXX to XX/XX/2020 when I received last text. He was the person who gave me her info to send the money. His email address that they created for me to contact them on emails were ( XXXX and XXXX ) On XX/XX/2020 in the morning when I woke up. I texted and asked them to meet my bf to go see the place and get the keys. He never replied. I emailed both emails and no reply. I tried to call and no answer. I told them if they dont reply that I would call XXXX and file a scam report. My bf wasnt happy because he figured they were scamming us for fraud! When I tried to call again. The phone number was disconnected and the emails didnt work anymore. 
I told my bf and he tried to fill out a report with XXXX XXXX Police Department but it was under my name. I then went to PayPal and filed a dispute on both transactions and told them that it was a scam and they stole my money! I wanted my money back because it wasnt right! Those people scammed us and fraud us for money and used a place that wasnt theirs! Later that day in the afternoon I got an email back for both transactions and said that they denied and denying my case for my refund because this transaction was unauthorized. 
This was a total scam! Its not right for PayPal to hold back my full refund and let these scammers win! I filed a police report online and idk what they will do to the people if they ever catch them! I put the stuff on fb to warn other people. I filed another complaint with the Feds in XXXX. Now I am coming to this place for help!!!!
Consumer complaint received 2020-02-15
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TX)

I was charged service fees, while my identification was stolen & I'm stranded from my home-state of Nevada. 

XXXX XXXX XXXX from Wells Fargo has put my life in danger by his negligence & ignorance. XXXX XXXX is his supervisor who's has taken more tha. 30 days to resolve my credit issue. 

I open an bank account after Hurricane Harvey, and still no service. XXXX XXXX ( XXXX ), branch manager lied  & said I was banned from their location, which is an lie & has caused more damge in my life.
Consumer complaint received 2020-02-15
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: LEXISNEXIS (NC)

I currently applied for insurance under the umbrella of the XXXX XXXX. Insurance with XXXX is limited in scope to being furnished to Veterans, spouses of Veterans, etc. 

When I applied for the insurance with XXXX, the XXXX was notified of issues with derogatory information on file with XXXX that was being contested and reported the issues to XXXX. Even knowing this information was on file XXXX provided a quote of $ XXXX ( rounded ) per year for homeowners insurance. 

After reviewing the quote and the file information provided XXXX billed my mortgage company a significant increase in the premiums due. MY mortgage company paid the amount billed even though it was not consistent with the quote. When I questioned the billing and the quote, XXXX furnished information indicating that they received a credit report from LEXIS NEXIS. XXXX provided the report no. I wrote to LEXIS NEXIS asking for a copy of the report.

LEXIS NEXIS responsded to my request indicating problems with my request even though I followed the instructions provided by XXXX. 

LEXIS NEXIS forwarded a letter on XX/XX/2020 providing a URL and PIN number. When I accessed their website, the URL and PIN No did NOT work. To ensure that I could obtain copies of the report, I tried their website, URL and PIN several times. I reported the problem to LEXIS NEXIS. LEXIS NEXIS indicated the information may have expired. I asked LEXIS NEXIS to provide the information they furnished to XXXX. They have NOT and are seeking to have me go through their process on a repetitive basis and insisting that I furnish PII on their formatted e-mail.
Consumer complaint received 2020-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

I open an bank account & told my personal banker : 1. My identification was stolen twice. 

2. I'm an XXXX free agent ( XXXX XXXXXXXX XXXX ) & my salary is {$54000.00} for the seaon in XXXX. 

3. I'm an XXXX resident & XXXX XXXX that needs to get home, XXXX XXXX. 

Years later I've prove with more evidence, I'm XXXX still in XXXX while the Chase bank branch is now closed. I scanned my documents to prove they have no attention of approving my credit card so.I can go. Home. XX/XX/XXXX I sent more evidence of my identification theft & need to get home to XXXX.
Consumer complaint received 2021-11-17
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. (TX)

A method of verification letter was mailed USPS, First Class, Certified Mail ( XXXX ) to Experian on XX/XX/2021 and was not responded to. Experian is in violation pursuant to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give me the method of verification information within 15 days of my request.