davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-07-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (TX)

This complaint is regarding an item placed on my XXXX credit file XX/XX/2022 by a collection agency calling themselves, Aldous. According to my XXXX credit report, collection attempt is in the amount of {$300.00}. During my initial correspondence with this agency, I asked for validation of debt. After that. some suspicious documents were mailed to my place of residence. I then stated in my second correspondence, that I needed to see copy of the identification card/driver 's license used to obtain this alleged debt, The agency then mailed me a threatening letter, stating that they will not be mailing me the requested item, and they were proceeding with the placement of this negative item on my credit report. A willful violation of federal law. 
Regardless of the lack of proof of this debt, XXXX did not hesitate to place this item on my credit file. If the proper vetting was done by this credit reporting agency, I would not have to be writing this complaint.
Consumer complaint received 2019-01-07
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. (GA)

I filed a proper dispute with Equifax on an unknown medical account # XXXX placed with XXXX XXXX XXXX for {$110.00} on XXXX-18. I contacted XXXX XXXX XXXX  with a dispute and request for validation on this unknown medical account as per instructions from Equifax on XXXX-18. I re-disputed to Equifax with a copy of my dispute letter to XXXX XXXX XXXX on XXXX-18 along with proof of XXXX XXXX XXXX ' receipt of the dispute. Equifax 's refusal to properly investigate or properly mark the account as in dispute is a violation of the FCRA and FACTA.
Consumer complaint received 2020-04-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CT)

Covergent Outsourcing, Inc XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, WA XXXX Claiming false late payments In XXXX, XXXX & XXXX in which I did not have a written contract with my signature with your company nor XXXX. 
Did not report to all three credit bureaus. Account was closed in XX/XX/XXXX.
Consumer complaint received 2019-07-15
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. (MD)

The following accounts are fraudulent accounts that's reporting on my credit file. These accounts I have no knowledge of nor could I explain their assistance. I'm asking for the credit reporting agencies to remove these accounts immediately or making a physical shown of why you are continuing to report such unauthorized accounts. Remove the following accounts. ( 1 ) XXXX XXXX XXXX {$5200.00}, ( 2 ) XXXX XXXX {$4700.00}, ( 3 ) XXXX XXXX XXXX {$560.00}
Consumer complaint received 2021-01-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Messerli & Kramer P.A. (WI)

I received a letter in the mail by this company on XX/XX/XXXX telling me I own money on a credit card debt. I did not know this company or what this was for. So, I sent out a debt validation letter not verification, validation and that was on XX/XX/XXXX and I know they received it because I sent it certified with signature USPS and got the signature back that someone had received it on the XXXX of XX/XX/XXXX. I did not get a response back with in the 30 days I was asking for. So, I sent another Letter a non-response letter on XX/XX/XXXX. I also know they received the letter because I sent that certified with signature USPS also and they received. So now its XX/XX/XXXX and I finally get something in the mail from them that looks to be old credit card statements and nothing else. How can this be proper validation? This is ridiculous I have waited over 107 days to hear back from this company. I have now sent out three letters with no progress from them to help me resolve this debt that I may owe, and they are reporting on my credit report.
Consumer complaint received 2022-07-04
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: EQUIFAX, INC. (CA)

My husband and I applied for a mortgage with XXXX XXXX XXXX XXXX XXXX XX/XX/2022. On the same day, our credit report was pulled with our permission. 

However, on XX/XX/2022, XXXX XXXX pulled our credit again WITHOUT our consent or awareness. The XXXX XXXX lender admitted to this error and agreed that it was an unauthorized pull. We were informed that they submitted a request to remove this hard inquiry on XX/XX/2022. Upon further investigation, we learned that they did not submit this request until we continued to follow-up and complain about their lack of response on XX/XX/2022 ( XXXX reference XXXX XXXX ). However, they only submitted it to Equifax ( not XXXX or XXXX ), and only for me, not for my husband. 

To date, and thanks to our own action, XXXX and Equifax have removed it from my credit history, but neither have removed it from not my husband 's. XXXX has not removed it from either of our credit histories. 

We are requesting that XXXX XXXX XXXX XXXX perform their due diligence in resolving their mistake and request removal of this hard inquiry pull from all three credit bureaus for BOTH my husband and me. 

Attached is the email communications with the XXXX representative admitting that this was in fact an UNAUTHORIZED hard inquiry pull.
Consumer complaint received 2022-03-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-01-13
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. (IL)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiry is unauthorized : On XX/XX/2020, XXXX XXXX  add a hard inquiry on my credit reports.
Consumer complaint received 2022-05-04
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. (MD)

Dear Sirs, Upon obtaining a copy of my credit report, I noticed there are inaccuracies being reported. I reached out several times to get these inaccuracies removed. I would appreciate the following items being investigated as soon as possible. According to the United States of America Fair Credit Reporting Act. My rights are being violated. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15 U.S.C 1681 section 604 A. States a Consumer reporting Agency can not furnish a account without my written instructions. 
15 U.S.C 1681 section 604 A. I have never had any credit transactions involving these consumers. 
XXXX XXXX XXXX : Acct XXXX. {$2000.00}. XXXX XXXX 
XXXX XXXX XXXX : Acct XXXX {$920.00}. XXXX XXXX 
XXXX XXXX XXXX : Acct XXXX. {$3300.00}. XXXX XXXX 
XXXX XXXXXXXX XXXX : Acct XXXX. {$2400.00}. XXXX XXXX 
XXXX XXXX XXXX XXXX : Acct XXXX {$13000.00}. XXXX XXXX 
XXXX XXXX : Acct XXXX {$460.00} XXXX XXXX 
XXXX XXXX XXXX XXXX : Reference # XXXX Year XXXX
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NY)

On or around XX/XX/2021, I became a victim of identity theft when an account was opened at TD Bank. I received a written notification in the mail that the account was opened. I subsequently visited the nearest TD branch to have the account closed ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) on or about XX/XX/2021. Thereafter I received a statement and decided to visit the branch again. On XX/XX/2021, I visited the location for a second time because of my concern. The account was opened with my personal details and I wanted to know what that information was. XXXX at the branch helped me and verified my identity using my driver 's license. I requested the application to review what information was collected but I was told by XXXX, who called TD 's Fraud line, at the XXXX XXXX location that because the account was opened online they would not share the account opening information with me. XXXX did let me know to open an account online, TD requires the customer name, ssn, address, and dob. The customer then needs to visit a branch to fund the account and provide ID and a signature card. After XXXX reviewed the account she said there was no signature card available for the account. She also said the account was likely funded electronically and not at a branch. It's distressing enough to be a victim of identity but it doesn't seem TD was vigilant enough and it was concerning that the application wasn't shared with me and that there was no signature card on file.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (VA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 120 180 ) days past due on the XXXX  card partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$5700.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a certified U.S. Postal Service # XXXX dispute/challenge letter to Transunion on XX/XX/2022 and envelope was received on XX/XX/2022. I checked online, XX/XX/2022 to confirm if dispute/challenge was received, but was told by Representative on XX/XX/2022 that my dispute was not processed and they sent letter ( that I have not received ) saying that they would not process my dispute because they accused me of using a third-party and that I had to verify what I disputed. Supervisor told me that I would have to open a new dispute over the phone with him and I told him absolutely not. I wanted him to process the ORIGINAL dispute/challenge letter that they received on XX/XX/2022 instead. He refused! I told him that he was very RUDE and not helpful and that I sent the letters personally and NOT thru a third-party, but he REFUSED to process the original letter dated, XX/XX/2022. 

So I am DEMANDING that you process the attached dispute/challenge dated on XX/XX/2022 and I expect a FULL INVESTIGATION an update NO LATER than XX/XX/2022! 

SEE BELOW NOTICE : Notice of Warning For Any Delay In Processing by TRANSUNION To Whom It May Concern, I am aware of your attempts to delay the processing of many consumers disputes and challenges based on your belief that some consumers are working with a third-party such as a credit repair company. Your delay is ILLEGAL, as it is the right of all consumers to work with such a company if they so choose, and you have no legal basis for delaying the processing of those disputes and challenges.

However, let me make it clear that my letters were created using applicable software and regulations available to all consumers, and that this is your notice that any delay in the processing of my letters is violation of 15 U.S. Code 1681i, which sets forth the procedure in which a Credit Reporting Agency must investigate a consumers reasonable dispute, and lists out exceptions, and will be considered a willful disregard of my rights as a consumer and will be forwarded to my attorney for litigation purposes. There is not such exception that would legally allow you to delay the processing of a consumers disputes to you based on an unfounded assumption that assistance from a third-party exists.

Please be advised that any and all letters and disputes you receive bearing my name have been prepared by me or by my advisors on my behalf with my full knowledge and consent. Also be advised that I am aware no statue in the FCRA suggests that a Power of Attorney must be provided to you, or that without said Power of Attorney documentation you are allowed to delay the processing of my disputes to you! 

Regards, XXXX XXXX SEE ATTACHED PHOTO ID AND PROOF OF ADDRESS
Consumer complaint received 2022-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XX/XX/XXXX Fully Closed and finalized my mortgage XX/XX/XXXX XXXX XXXX is the provider of my mortgage XX/XX/XXXX XXXX XXXX XXXX XXXX was the new holder and provider of my mortgage. 

Between XX/XX/XXXX - XX/XX/XXXX I made over 100 phone calls week by week explaining that I want this Mortgage to show up on my Consumer Credit Reports within XXXX, XXXX XXXX TransUnion. They promised it would show up on my Consumer Credit Reports over the phone each and every time. They lied to me each and ever time. It is now XX/XX/XXXX and there is no record of the mortgage on any of my Three ( 3 ) Consumer Credit Reports.
Consumer complaint received 2022-07-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

XXXX Bank a Walmart credit card. Has repeatedly added an interest fee on my monthly statements. Despite there being no causation to do so. 

When I contact their representatives. And have them review my account. They remove it. 

I XXXX out my account monthly. And I have NEVER been late on a payment! 

Though it is a small fee on $ XXXX. If each consumer is billed this fee. In this way. 

It could prove to be millions. I refuse to pay this. And I should not need to defend my payment history. For random added fees tri-monthly!
Consumer complaint received 2022-07-03
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. (NC)

in accordance with the fair credit reporting act and XXXX  Accounts : XXXXXXXX XXXX XXXXXXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX Account:XXXX  XXXX. XXXX XXXX Bank Account XXXX XXXX XXXX. XXXX Account : XXXX XXXX. XXXX XXXX XXXX XXXX Account:XXXX  XXXX. XXXX XXXX. 
Account:XXXX  all of which has violated my rights. 

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

15 U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish any account without my written consent of instructions as well verify the true and accuracy of the information with consumer.
Consumer complaint received 2019-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXX account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.
Consumer complaint received 2020-07-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (FL)

I have an account with cash app. I transferred XXXX dollars to my cash app to send to my roommate for rent. I logged in using another phone to do so because my phone was broke & was using a temporary phone At the time & my roommate needed the rent. That was on XX/XX/2020. Today is XX/XX/XXXX. My cash app account is still locked & I dont have access to my money. I can receive money but cant send or cash out my money. I been trying to get in contact with cash app support but havent heard anything. I need my money
Consumer complaint received 2019-10-01
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: CITIBANK, N.A. (MD)

Booked a reservation for 2 bedrooms at XXXX # XXXX, location at XXXX XXXX. Merchant description was Travel, and merchant ID # XXXX, authorization code # XXXX. Authorization date XX/XX/2019, authorization through XXXX. XXXX code XXXX The amount they charged the credit card is {$230.00}. Name of the hotel is XXXX XXXX PHONE XXXX, ADDRESS IS XXXX XXXX XXXX  XXXX XXXX XXXX. The booking reservation date was XX/XX/2019. 

Cancellation was done on the XX/XX/2019. time XXXX XXXX. I spoke with front desk officer name XXXX. 
The cancellation confirmation and tracking number # XXXX, XXXX
Consumer complaint received 2021-11-22
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)

This account has been falsely validated & verified as accurate while maintaining several inaccuracies. As pertained by the XXXX, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX & Experian continue to break statute, U.S. code XXXX U.S. Code XXXX  - Compliance procedures, article ( b ). 

Inaccurate Address Inaccurate updated status Inaccurate date of last payment Inaccurate first late payment The inaccurate information being reported by XXXX is a direct violation of my consumer rights. I wish that this account be deleted from my report expeditiously.