davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

This is not a new account with Venmo. Successful transfers were made in the past. BUT -- -- {$980.00}. was shown as available in my VENMO acct as of XXXXXXXX XXXX. I can not get my money transferred to my bank account on file -- -- -I think Venmo XXXX " floating '' my money to their advantage. '' 1. I have exchanged numerous emails. 
2. Different staff say different causes XXXX. Multiple phone sessions with Venmo support. Again, more excuses. 
3. I checked withy my bank -- -Bank says there have been NO attempts to transfer this money into my account from Venmo for XXXX XXXX months. 
4. Bank says all is good on their end. 
5. I have forwarded bank statements and pic IDs as requested to Venmo 6. My account was frozen for no reason, then unfrozen. 
7. Said I had XXXX personal accounts. WRONG! ..., I have XXXX personal and XXXX business 8. Venmo sends me round and round in circles with their " BOT '' replies to email inquiries/ 9, Venmo owes me interest for keeping my MONEY for NO REASON!
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In Accordance with the Fair Credit Reporting Act this Creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 USC 's 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-08
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. (GA)

If Experian, XXXX and XXXX all get their information from the same source and this account was disputed with all credit bureaus then XXXX and XXXX both removed the account due to it not reporting accurately, why is it that Experian is still reporting this account on my credit report? 
This XXXX XXXX XXXX account I have no knowledge of and it has been removed from my credit file by XXXX and XXXX after their investigation. However, Experian still reports this account to my credit file as if its actually accurate. I would like to know what solid evidence are they using in their investigation to decide that theyre not removing this inaccurate item.
Consumer complaint received 2022-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc. (TX)

I contacted XXXX XXXX and they said the only bill I had with them I paid/settled last year and I dont owe them anything. I have no idea what bill these people are talking about when I have NO medical debt at all. I will also be contacting attorney general and filing complaints.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Hi, Department of Education/ XXXX is reporting inaccurate information on my credit report. There are XXXX loans reflecting the dates of XXXX and XXXX. That is still appearing on my credit report with all three credit bureaus. I have disputed this numerous times and Dept of Education keeps updating over XXXX loans. This is affecting my credit and putting a hindrance on my purchasing my XXXX  and XXXX  a new home. Please help.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (DC)

On XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus. I got a letter stating : " They do not provide information to the credit reporting agencies or bureaus. '' So if that's the case, how did the credit bureaus verify an alleged bankruptcy as 100 % Accurate. They never did a fair investigation according to the XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX ( XXXX ) ( XXXX ) states : 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 XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under XXXX XXXX XXXX. 

According to XXXX XXXX XXXX section XXXX A states : I have the right to privacy. 

According to XXXX XXXX XXXX section XXXX A Section XXXX states : A consumer reporting agency can not furnish an account without my written instructions. 

According to XXXX XXXX XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

Hello, My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX. I am not sure if youd need my SS but its XXXX. 

Me and my wife are in the process of buying a house. A loan officer said I have a student loan that is paid off but is showing up on my credit report as open. The company that was used to pull my credit was Experian. 

I have been trying to talk to creat an account on their website to get a credit report but an error screen keeps popping up on their website. I have tried calling support for the last three days. The one time I actually got ahold of an actual person my account got frozen and the specialist told me to call in 72 hours. 

I have been trying to get an actual live person to talk to for an 1.5 hours but am having no luck. 

I am hoping that someone can get that paid off student loan off of my credit report, so it can help me and my wife get a new house. 

Thanks, XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2016-10-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (PA)

We had a Banana Republic XXXX Card run by Synchrony bank. This card was stolen electronically 4 times in 4 months. That is, there were fraudulent charges made on the card while it was still in our physical possession. We were told that the fraud would be investigated but never informed of the outcome of the investigation. We were promised identity protection by XXXX representative and then informed by another that this protection was never purchased for us and could not be awarded by the bank. After the fourth time we were informed that the card yet again had fraudulent charges on it ( XXXX ), we requested to pay the account off in full and close the account. We informed the representative yet again that it was clear that fraud was occurring within the bank and that someone was hacking our account information as we had not lost the physical card. At this time XXXX XXXX XXXX, in order to close the account, we paid in full the amount the representative told us was required to close the account. We were required to do so without being able to see our bill and assess what charges were ours and what were fraudulent. We did this because we wanted to get away from this bank and the continuous fraud. We requested and were promised that documentation proving that the account had been paid in full and closed would be sent on XXXX. This information was never sent. In XXXX, we were alerted yet again of fraudulent charges on this same credit card, which we had attempted and been told had been paid in full and closed ion XXXX. We requested again that the account be closed and again alerted the bank of the theft history and the numerous times we were promised steps and protections by the representatives ( i.e. identity protection, documentation of the closing of the account ) that were never ultimately provided. In XXXX we received a check for around $ XXXX {$250.00}, reimbursing us for overpayment from the bank. On XXXX XXXX we received a bill on this closed account telling us we owed close to {$700.00}. When we spoke to a representative on XXXX about this charge they informed us that the amount reimbursed to us in XXXX was doen so in error and that the account had not be paid off or closed on XXXX as we were informed. On XXXX we informed the representative that we should not be held responsible for any charges made after XXXX when we requested the account be closed and had paid the full amount we were told was required to close it. We also stated that we should not have to pay any interest related to these fraudulent charges. The bank representative informed us that he would speak to his managers about the issue but also stated that we were responsible for this {$700.00} bill. We informed the bank we would not pay this charge and were filing a complaint to CFPB.
Consumer complaint received 2022-11-08
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. (PA)

I recently reviewed my consumer report and notice my name misspelled, I requested with Experian by via mail to change my name as shown on my state ID. Experian continues to report my name misspelled. my father 's name is a XXXX XXXX  and I'm the XXXX, our information get mix and I'm allegedly held accountable for his personal actions. In the request letter I highlight all misspelled names to easily identify the errors.
Consumer complaint received 2022-11-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

I have been told by previous mortgage company XXXX  that I shellpoint is now servicing my mortgage and today was the first day I could actually view my mortgage. so i attempted to schedule a payment and it immediately locked me out of my account for 24 hours. I never received notification from either company and have been trying to schedule a payment now since XX/XX/2022 and cant. This is forcing my account to be delinquent even more and I still cant make a payment. it should not be this difficult to schedule a payment
Consumer complaint received 2024-01-20
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. (FL)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 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 2024-01-19
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. (OH)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts 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
Consumer complaint received 2022-06-17
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. (VA)

This is my fourth letter submitted to you informing you that I am a victim of identity theft and I complain to question certain records in my file coming about because of some inattention. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, block the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXX FIN XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$97.00} ; XXXX XXXX Balance : {$53.00} ; XXXX XXXX Balance : {$76.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX Balance : {$63.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$91.00}
Consumer complaint received 2024-01-19
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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/year>
Consumer complaint received 2022-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd (TX)

Nationwide Recovery Systems reported to XXXX that I never paid my debt. However, I have a statement showing that I paid {$560.00} on XX/XX/2022. Despite sending XXXX a copy of my bank statement, they refuse to remove this debt off my credit report. Additionally, Nationwide Recovery Services refuses to acknowledge my payment and still states that I have never paid my debt.
Consumer complaint received 2023-04-03
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. (AK)

Equifax is reporting XXXX XXXX account that is not mine i have sent them a police report and ftc report the following credit inquiries are not mine as well XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to express my extreme frustration and disappointment regarding the fraudulent accounts that have recently appeared on my credit report. I demand your immediate attention and action to rectify this situation. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
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 If your organization fails to address this matter promptly and effectively, I will not hesitate to pursue legal action and file complaints with the relevant authorities. The impact of these fraudulent accounts on my financial reputation is severe, and I will not tolerate any negligence on your part. Your immediate attention to this matter is non-negotiable. Failure to comply will result in severe consequences, and I will not hesitate to escalate this issue through legal channels.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NV)

I applied for a Goldman Sachs Apple credit card, but I can't see my card number when I log in to my online account. I called Goldman Sachs customer service and he said that I need an XXXX to see it. I said I don't have an XXXX, I only have XXXX XXXX  computer, can I get a physical credit card, customer service told me to go to a local apple retail store, the clerk would give me a physical credit card, and the next day I went to the apple store, the clerk said he didn't know about it, asked me to go back and call the credit card customer service again, I called the credit card customer service again, they said that I can only apply for a physical card by myself using the XXXX, there is no other way
Consumer complaint received 2022-06-17
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I called capital one at XXXX XX/XX/XXXX today because my credit card account was closed. I was not warned in advance that it would be closed. I was told a letter was in the mail yesterday to alert me. The supervisor I spoke with on the phone stated that it was closed due to an error on the companys account when I was offered the credit card. I was told my account would not be reopened and a letter would be issued to the credit bureau within 90 days. I am in the process of purchasing a house and my credit score as of todays date had already dropped by XXXX XXXX. This can not be legal or acceptable and my issue is not resolved. The account was paid regularly with little to no balance each month.