davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

I made a purchase on XXXX, 2019 with website Company name " XXXX ". I spent {$250.00}. After not hearing or receiving tracking # in a couple weeks. I sent them an email. After not hearing anything, I filed complaint with PayPal ( that's how I paid ) They said give the company until XXXX to respond. Then they emailed me and told me they were change the reason of dispute to " item don't look as advertised '', and I told them no but I have not received anything still, so I should have original dispute. Then Paypal told me file complaint with Internet Crime Complaint Center while or in order for them to continue to investigate. I did that, and sent them the information. Now they are saying wait until XXXX XXXX. I just want my money back, and to never deal with this company again. The company use the name XXXX XXXX with Paypal. The Case # is XXXX.
Consumer complaint received 2022-05-14
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)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Code 1679c - Disclosures Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
Consumer complaint received 2022-05-14
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. (NJ)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILRE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AND I HAVE ALSO ATTACHED THE FEDERAL TRADE COMMISSION AFFIDAVIT! NOW THAT I HAVE GIVEN THIS INFORMATION CORRECT MY FILE OR I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED!
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NM)

I noticed that my credit score with you company is significant different from XXXX and XXXX. For example, my score with XXXX is XXXX and XXXX is XXXX and with Experian is XXXX and this is impacting my FICO score. I'm always on time with all my payment. I haven't request for a new credit cars or loans for months. Why this is happening? Why my credit score decreases in the past couples of months? I would like to know the reason. I'm attaching a copy of my credit scores from XXXX and XXXX. 
Thanks.
Consumer complaint received 2022-05-14
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)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXXXXXX 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 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 2023-07-27
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: TD BANK US HOLDING COMPANY (NY)

I purchased a money order from a check cashier on XX/XX/22 in the amount of {$610.00} for my insurance which was never received. When back to the cashier to cancel the money order and was told it was cashed at TD BANK I was given a copy of the XXXX and it had been altered. The name of my insurance company was taken out somehow and a name ( XXXX XXXX ) was printed in its place.You can clearly see the XXXX was altered PLS cashier told me in writing that the decision to reimburse me that the potential theft or fraud is made solely by the XXXX, which is TD BANK
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to delete the following information in my file. the items i need to delete are listed in the report. i Am a victim of identity theft. i demand that y'all remove these items to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. Remove these items immediately.
Consumer complaint received 2015-06-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (AZ)

I am currently repaying my student loans to Navient on a " work out '' program they offer. This program allows me to ONLY pay the interest payments which does not reduce my actual principal balance. My regular monthly payment is too high for me to pay on a regular basis.
Consumer complaint received 2022-05-14
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 ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business ( I am selling e-books and exchanging money ) since ( XX/XX/2021 ). My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 

For Identity verification, I attached my Valid ID. Please see attachment.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I am writing to express my frustration and disappointment with the lack of progress in resolving the inaccuracies on my credit report. Despite my multiple attempts to dispute the errors and provide supporting documentation, the issues persist.

I initially had high hopes for the Consumer Financial Protection Bureau 's ( CFPB ) role in protecting consumers like myself from inaccurate, unfair, and biased reporting practices of large credit bureaus. However, my experiences have shown that these errors continue to plague my credit report, and I remain unsatisfied with the outcome.

1. Inconsistent information - The credit bureaus have provided conflicting information regarding the same accounts. This inconsistency raises questions about the reliability of the information and the process used to verify its accuracy.

2. Lack of correction - Despite my efforts to dispute these errors, the corrected information still reflects inaccurately on my credit report. The revisions made by the credit bureaus have not addressed the root causes of the problem, leaving me with incorrect information that continues to impact my credit score.

3. Personal information discrepancies - My personal information, including my name, address, and date of birth, appears incorrectly on some credit reports. This raises serious concerns about data management practices and the potential for identity theft.

4. Multiple attempts - This is my third attempt to request reinvestigation, and each time, the result has been the same - inconclusive and inadequate. The fact that different credit bureaus have different information further underscores the need for greater scrutiny and accountability in the credit reporting industry.

In light of these issues, I urge the CFPB to take a closer look at the practices of these credit bureaus and hold them accountable for the inaccuracies on my credit report.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-07-22
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. (AZ)

the following inquiries are not associated to me or any accounts on my consumer report and is against fdcpa and has been and infringement against my rights and has caused emotional distress upon me as a consumer with your company abusing my rights using unfair debt collection practices against me remove these inquiries asap the following inquiries are false and misleading and against laws 15 USC 1692 D XXXX XXXX  Inquiry from XX/XX/2020 Credit Union XXXX Inquiry from XX/XX/2020 2020
Consumer complaint received 2019-07-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I have been disputing some fraudulent accounts on my report for over a year, have sent in all documents that was requested from me. Nothing has been removed, I have been told multiple times that my police report and other documents were being attached to the dispute. I found out that the documents are not being attached to the disputes and was told to get a new updated police report, which doesnt make sense because my police report is very valid and should have been attached to every dispute.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-11-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MI)

In XX/XX/2016, my already stressed and impressionable XXXX year old daughter received a high pressure sales call from XXXX University. They quickly brainwashed her and convinced her this was the best option for her to receive a college education. We as her parents were then high pressured into signing loan documents for a loan that is now upwards of $ 17K. My daughter only went to XXXX online university for 1 year. She has since transferred to a local XXXX  college. The tuition I have paid for 2 years there does not begin to equal the balance of this Parent PLUS Loan. I feel my daughter as well as my husband and I were pressured into this loan with really not education from anyone on what the true costs of the loan really are when all is said and done. The loan is deferred right now until next year. I will need to try and defer again as my daughter nor myself have the money to repay this debt.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MO)

I Sent my letter off on ( date ). I requested that the credit agencies to " investigate this information thoroughly '' on the accounts I have listed below. 
Also I have attached the letter I sent out and here is the According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account ( s ) was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurately .According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. Ive marked the inaccuracies with my included credit report.
Consumer complaint received 2022-05-18
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. (MD)

in accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions Also hard inquires XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX  Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX & XXXX XXXX  All Banks XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

FIFTH THIRD BANK CLOSED MY ACCOUNT THAT I OPENED BACK ON XXXX XXXX 2017 I DO NOT HAVE THE SPECIFIC DATE ON WHEN IT WAS CLOSED. BUT IT WAS CLOSED DUE TO SOMEONE LOGGING INTO MY ACCOUNT DUE TO A SCAM. NOT SURE WHY THEY CLOSED MY ACCOUNT WHEN THEY COULD HAVE JUST CHANGED MY PASSWORD. 

BUT THIS HAS CAUSED MY ACCOUNT TO BE DELINQUENT AND HAVE A NEGATIVE EFFECT ON MY CREDIT SCORE
Consumer complaint received 2022-05-14
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)

The credit bureaus are failing to remove inquiries that are not mine I have already disputed with them even sent in ftc report and they refused to remove them which is negatively effecting my credit report the inquiries are attached below as well as h The ftc report
Consumer complaint received 2022-05-14
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. (NJ)

I am writing to delete the following information in my file. the items i need to delete are listed in the report. i Am a victim of identity theft. i demand that y'all remove these items to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. Remove these items immediately.
Consumer complaint received 2023-08-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (NY)

i never approved of the company.to use my information and would like proof of signature. And would like this account to be closed and {$110.00} removed. From my credit. Report profile ASAP for it is damaging my credit. Report
Consumer complaint received 2023-08-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advanced Collection Bureau, Inc. (PA)

Advanced Collection Bureau suddenly appeared on my credit report around XX/XX/XXXX for almost {$5000.00} collection because my ex girlfriend apparently passed away. Now they are saying I owe for her rent. I actually never received anything in the mail from them, just what is on my report. I haven't live with my ex since XXXX.
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

On XX/XX/22 Experian alerted me of a Hard Inquiry from XXXX XXXX XXXX, I did not apply for. 
Then several other Hard Inquiries start popping up, XX/XX/22 XXXX XXXX, XX/XX/22 XXXX XXXX XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX XXXX XXXX Credit Card, Also on XX/XX/22 Hard Inquiry at XXXX XXXX. My Credit Score is going down so quick. I am trying so very hard to keep my Credit Score to the Max. Paying all on time and extra amounts monthly when I can. 
I have paid over {$200.00} to Experian to lock my credit report companies. Who ever this person or persons are even have my Drivers Licence Number. Experian says My Information is in the Dark Web. I Want Them Stopped Please! Thank the Lord these people have not gotten Money, that I know of right now.

I have been in touch with all Companies. They have sent me letters saying they will remove the Inquiries. But still, how long does this take? 

Thank You for your help, in advance!
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/22 XXXX alerted me of a Hard Inquiry from XXXX XXXX XXXX, I did not apply for. 
Then several other Hard Inquiries start popping up, XX/XX/22 XXXX XXXX, XX/XX/22 XXXX XXXX XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/22 Hard Inquiry at XXXX XXXX. My Credit Score is going down so quick. I am trying so very hard to keep my Credit Score to the Max. Paying all on time and extra amounts monthly when I can. 
I have paid over {$200.00} to XXXX to lock my credit report companies. Who ever this person or persons are even have my Drivers Licence Number. XXXX says My Information is in the Dark Web. I Want Them Stopped Please! Thank th

e Lord these people have not gotten Money, that I know of right now. I have been in
touch with all Companies. They have sent me letters saying they will remove the Inquiries. But still, how long does this take?

Thank You for your help, in advance!
Consumer complaint received 2022-05-18
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)

EXPERIAN, XXXX XXXX XXXX AND XXXX XXXX are all reporting a mortgage on my credit report that does not belong to me. I have visited my local police station and was instructed to complete a fraud report and identity theft report, I have done both. I have contacted all parties no less than three times with the appropriate paperwork to remove the mortgage. The mortgage is not reporting negatively it is actually reporting as a positive account but it is XXXX and does not belong to me. I do not understand how the information was verified during the process because I currently live in an apartment and can not purchase a home for my family because a mortgage that does not belong to me is currently reporting on my credit reports. I have sent 2 identity theft reports and fraud report from FTC website. The credit bureaus and companies will not speak with me on the phone because they claim not to understand me because I am not American. I do believe that I am being treated unfairly because of my nationality. I am pleading and praying from relief because this home being on my credit report is causing me great XXXX and XXXX  to were I may need to be seek XXXX XXXX.
Consumer complaint received 2016-02-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complaint is related to the resolution of the CFPB case number XXXX. Despite of my efforts to fix this problem and despite this complaint has already been resolve ; Transunion reporting agency do not care about the resolution in relation to my case. They keep reporting the wrong information, Transunion stated that only the collection company can delete the information, the collection company stated that they already deleted the information with transunion the same way they did with the other CRAs. 
Again this is in reference to the CFPB case number XXXX please read the resolution. Thanks
Consumer complaint received 2022-05-14
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 ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX & XXXX XXXX XXXX and selling e-books since 2021. My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

For Identity verification, I attached my Valid ID. Please see attachment.