davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
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: Experian Information Solutions Inc. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-18
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. (AL)

Below I have listed a large number of inaccuracies on my consumer report. The credit reporting agencies have been notified by mail and by phone call. I should not have to debate nor argue over incorrect information listed on my report. I've asked Experian, XXXX, and XXXX to provide proof any of the below inaccuracies are mine. Under 15 USC 1681a ( e ) investigative consumer report the reporting agencies should not list anything factual or about me as a consumer. In order to validate anything to place on my file it must first be verified by a neighbor, family member, or friend that knows of such knowledge. I gave none of the listed companies permission to use my social security account number to open, apply or inquire. I demand for all listed below to be removed immediately.
Consumer complaint received 2017-02-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bonneville Billing and Collections (CA)

I have repeatedly requested that Bonneville Collections provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is my next stop to get the corrections needed on my credit report. About 4 letters and 2 phone calls each have resulted in no corrections so far from XXXX, Transunion, and XXXX. LATE payments listed on XXXX to whom just took over the account is not correct. Personal informations listed that I have never resided. The incorrect reporting to my credit file has cost me a promotion and stopped me from growing with the company I work for. This is wrong and I demand it be corrected.
Consumer complaint received 2022-03-18
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. (AL)

The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. Experian, XXXX, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title XXXX.
Consumer complaint received 2022-03-18
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: EQUIFAX, INC. (AL)

The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. XXXX, XXXX, and Equifax are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title XXXX.
Consumer complaint received 2018-12-31
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: Experian Information Solutions Inc. (TX)

On about XX/XX/2018,XX/XX/2018 and XX/XX/2018 I send the " Letter of Demand '' to 3 Major credit Bureau companies : Experian, XXXX and XXXX .

Only XXXX excepted my dispute and Completely deleted and removed some collections, unknown bank charges form their credit file.

The other 2 credit companies : Experian and XXXX had fail to notify me the unauthorized charges from those Banks report to their credit file.

They only mail me the letter informed those charges were accurate. But did not provide me any prove evidence or document like Statements, invoice, balance due ... from their Banks show I own them.

Please help me to investigate and send a complain to Experian and XXXX again. Thank you
Consumer complaint received 2022-03-18
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. (TX)

Hello I noticed late payments on a few of my accounts and it has been XXXX trying to get them corrected. The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. The accounts XXXX have doubled the account numbers and showing late payments when I have stated they were never late. So I get late payments times 2 showing incorrect all around. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.
Consumer complaint received 2019-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

When setting up a preferred payment method with PayPal, I've repeatedly set my credit card as the preferred payment method, but PayPal continues to debit a linked bank account instead of the specified credit card. This has caused me to overdraw my bank account twice. When researching this issue online, I've noticed that it is a widespread problem worthy of reporting to the CFPB. In trying to resolve the issue with PayPal, they have refused to address it and closed the case that I opened. 

Note : the attachment included is a screen shot of my preferred payment methods, showing that my credit card is selected. I had a transaction hit my checking account XXXX causing an overdraft when it should have hit my credit card. Also attached is the email I received when PayPal denied my case and refused to resolve my complaint.
Consumer complaint received 2022-03-18
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. (NC)

I am making my formal complaint bring light to the violations the three credit reporting agencies continue rack up dealing with the accuracy of my credit report. I have my full credit file I ordered recently and I see a erronmous amount of inaccuracies and fraudulent accounts. There is also previous addresses that are in no way associated with me at all. Not only have the credit reporting agencies lied to me stating that the accounts or information is verified when per 15 USC 1681a ( e ) Validation of Debts the law clearly states validation comes directly from me, interviews with my neighbors, family, and friends. I know its a money game and they get paid to put accounts just anywhere even when federal law says they have to gain my written consent per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I was advertised a {$200.00} bonus to opened a Business Checking Account with Bank of America. These are the terms to receive the new bonus, Open a new Business Advantage Relationship Banking or XXXX XXXX XXXX Banking account ; AND Make qualifying deposits of {$5000.00} or more in New XXXX directly into a new eligible Bank of America XXXX XXXX XXXX account within XXXX ( XXXX ) days of account opening ; AND Maintain an average balance of {$5000.00} during the Maintenance Period** in that new Business Advantage checking account. 

The Maintenance Period begins XXXX XXXX  XXXX ) calendar days after account opening and ends XXXX ( XXXX ) calendar days after account opening. 

This is the transaction history of the account : XX/XX/XXXX : Account opened XX/XX/XXXX : Account funded with {$5000.00} XX/XX/XXXX : Maintenance Period ends at XXXX  days after account opening XX/XX/XXXX : Current account balance was {$5000.00} Please help me get the new account bonus that Bank of America advertised to me.
Consumer complaint received 2022-03-18
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. (AL)

The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. XXXX, Transunion, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title XXXX.
Consumer complaint received 2022-03-18
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: EQUIFAX, INC. (NC)

I am making my formal complaint bring light to the violations the three credit reporting agencies continue rack up dealing with the accuracy of my credit report. I have my full credit file I ordered recently and I see a erronmous amount of inaccuracies and fraudulent accounts. There is also previous addresses that are in no way associated with me at all. Not only have the credit reporting agencies lied to me stating that the accounts or information is verified when per 15 USC 1681a ( e ) Validation of Debts the law clearly states validation comes directly from me, interviews with my neighbors, family, and friends. I know its a money game and they get paid to put accounts just anywhere even when federal law says they have to gain my written consent per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2022-03-18
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: EQUIFAX, INC. (AL)

Hi thank you for allowing me to voice issues I am having with my credit report. Looking over my report there are negative accounts with no company name listed and other accounts with a name not known to me or anyone I know. The credit reporting agencies are listing random information on my credit file and care nothing about the accuracy. 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer is one of many violations for XXXX, Equifax, and XXXX.
Consumer complaint received 2022-03-18
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. (AL)

Hi thank you for allowing me to voice issues I am having with my credit report. Looking over my report there are negative accounts with no company name listed and other accounts with a name not known to me or anyone I know. The credit reporting agencies are listing random information on my credit file and care nothing about the accuracy. 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer is one of many violations for XXXX, XXXX, and Transunion.
Consumer complaint received 2022-03-18
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: EQUIFAX, INC. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian Information Solutions *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report.
Consumer complaint received 2022-03-18
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. (AL)

Hi thank you for allowing me to voice issues I am having with my credit report. Looking over my report there are negative accounts with no company name listed and other accounts with a name not known to me or anyone I know. The credit reporting agencies are listing random information on my credit file and care nothing about the accuracy. 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer is one of many violations for Experian, XXXX, and XXXX.
Consumer complaint received 2022-03-18
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: EQUIFAX, INC. (FL)

I reached out to XXXX, Equifax, and XXXX yesterday XX/XX/XXXX via phone call. Equifax had me on hold and transferred me 6 times and hung up in my face. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. I have not and do not consent to any of the misinformation to be reported under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reached out to XXXX, XXXX, and Transunion yesterday XX/XX/XXXX via phone call. XXXX had me on hold and transferred me 6 times and hung up in my face. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. I have not and do not consent to any of the misinformation to be reported under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

conventional loan from Citizens bank has a 1st loan from Citizens and a 2nd lien from XXXX which has now been paid in full! There is only one loan now with balance of less that {$260000.00} for which two things need to be done : 1. Loan number XXXX Needs to be reamortized and new docs sent to. Me via email ( XXXX 2. Escrow account needs to be removed since value if home is {$360.00} XXXX! CLOSE ESCROW ACCOUNT EFFECTIVE IMMEDIATELY WHICH HAS NEEN DENIED 10 times or more Citizens has received copies of Discharge from XXXX as well as myself and the Registry of Deeds has removed the lien showing that it was/ is paid off in full via original Discharge letter on XX/XX/2022! 

Copies of Discharge of Discharge of Mortgage for 2 Nd lien attached. There was confusion as to this being a grant found out it was actually a loan that would have added more issues to my home in the long run!
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (TN)

My personal info was stolen and had attempted fraudulent charges on my card with CASHAPP AKA BLOCK INC. this is the 2nd time this has happened in under XXXX year. Had to get new cards multiple times due to the lack of their consolidation of info
Consumer complaint received 2022-03-18
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. (NY)

I have disputed XXXX XXXX XXXX XXXX that this account is being reported inaccurately on my credit report for well over a year now. There are several inaccuracies in the reporting of this account. The date of last activity is different on each credit bureau by YEARS. Also, this account was charged off years ago but continues to update as though it is a live account which is an FCRA violation. I have asked this creditor to provide validation of the information that's being reported on this account to no avail. I have ALSO asked them to update this account with the proper information so that it's reporting accurately to no avail. The presence of this account on my credit file has kept me from getting funding for my business amongst other things. As a result of their inability to accurately report this account and remain in compliance with the FCRA and FDCPA, I am requesting that this account be removed from my credit report immediately.
Consumer complaint received 2022-03-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (MO)

I submitted payment to settle my debt with CITIBANK for a secured credit card account that is reporting as a CHARGE OFF on my credit reports. 

I offered Citibank payment for removal of the charge-off from my credit reports. To summarize my letters, I stated by accepting payment enclosed Citibank agrees to removal and deletion of the debt. 

If they did not agree the could have mailed back my check, I enclosed a self address stamped envelope. Citibank accepted my payment, but is continues to report on my credit reports and refuses to do what was agreed if payment was accepted.
Consumer complaint received 2022-03-18
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.