davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance : {$0.00}
Consumer complaint received 2023-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I was a victim of fraud via CASHAPP on XXXXXX/XX/XXXX. I filed & complaint and the XXXX amounts the scammers stole from my account via CASHAPP were returned to me by CASHAPP. 

XX/XX/XXXX - I received XXXX emails from CASHAPP indicating that " XXXX XXXX filed with their bank for the $ XXXX payment you received on XX/XX/XXXX. This payment will be refunded from your account ''. CASHAPP stole from my bank account the following amounts : {$990.00} ; {$880.00} ; {$920.00} ; and {$480.00}. These amounts were never received to my account from XXXX XXXX. 

XX/XX/XXXX - XXXX XXXX and I were victims of the same scam on XXXX. He is my XXXX We have never exchanged payments between our CASHAPP accounts. XXXX and I have visited his bank and mine on XX/XX/XXXX and XX/XX/XXXX & XXXX has yet to receive the XXXX payments that CASHAPP alleges to have paid him. 

While these XXXX payments were unjustifiably & inappropriately removed from my XXXX bank account by CASHAPP, XXXX XXXX was prepared to just refund me the payments, however these payments have yet to appear in either his CASHAPP or bank accounts. In both of our accounts, the payments show as " refunding ''. 

XXXX XXXX and I have, since XX/XX/XXXX repeated contacted CASHAPP via chat, phone & email without resolution. XXXX, the XXXX XXXX XXXX confirms no receipt of funds. I saw with my own eyes the cashapp account of XXXX XXXX & funds are not registered there. I can confirm & provide evidence that the XXXX amounts were transferred by CASHAPP from my bank account. 

I have contacted my XXXX  department and XXXX XXXX XXXX to no avail. Cashapp responded to XXXX  the same way as past responses to me, via email from a manager that " when a dispute is filed and accepted by a bank, Cash App is required to return the funds '' even though I never received any funds and XXXX alleges NOT to have filed a dispute.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

On XX/XX/21 a medical collection was erroneously added to my credit report. XXXX deducted XXXX points and Experian deducted XXXX points. I contacted the collection agency to have a letter sent to the credit bureau as confirmation that the bill had been paid and the collection should be deleted. XXXX responded promptly, acknowledged the letter, deleted the collection, and added the XXXX points within 24hours. Experian also acknowledged the letter and deleted the collection however refuses to add back the XXXX points they deducted due to the error. I have filed two disputes with Experian and spoken with a supervisor along with a complaint. I continue to receive responses from Experian advising me that they do not control my score. I have been directed to MYfico, to resolve the scoring issue. My Fico advised me that the credit bureau calculates scores and then provides them with the information. I have recently been approved for a home however I will not be able to close due to my credit score. Most lenders use Experian, XXXX points deducted from my credit score is substantial and will take me a year to recover. I am a Veteran and a first-time home buyer, this is a serious matter to me as I have worked very hard to get my score to a place where I would qualify for a home. Please look into this matter sooner than later as I may miss the opportunity to purchase a home for myself and my son. Thank you
Consumer complaint received 2024-10-31
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. (IL)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMs? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-12
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (OH)

Account # XXXX. I noticed you are preparing and reporting a false consumer report about me which defames my character and general reputation with the intention of extorting money out of me. I do not recall giving your my written permission and consent to do this. If i did such thing may you please provide me with it immediately Also, it is an inconvenience to me when your company contacts me, or communicates with me through any medium other than the CFPB. I refuse to pay this alleged debt!! Please CEASE & DESIST all further communications with me, my family, my friends and employers; relating to anything in regards to me. IF you wish to communicate with me and me only please do so ONLY through the CFPB. I am aware that the documents you are going to provide is NOT verification of the alleged debt. verification of a debt is not an account statement or any of the documents you are going to provide. If you wish to validate the alleged debt I would like to see the actual accounting ledger which shows the source of funds being loaned out. A XXXX daily transaction log AND a binding contract between RADIUS GLOBAL SOLUTIONS & I. If your company can not provide this, then the debt can not be validated and you are legally required to delete the accounts from my consumer report. Also, could you please show me where a contract says that I agreed for non public personal information and/or transactions to be furnished on my consumer report? I would also like to see that you guys provided me with an option to Opt-out from such reporting. delete the account from my consumer report because it is false misleading inaccurate and is defaming my character and reputation causing me not to be able to obtain future credit and housing because of such false reporting. Your company actions are unfair to me and deceptive... if you can not show the required verification, you are legally required to delete the account from my consumer report. I am only giving your company 7 DAYS to complete such request. notice is considered given upon receipt of this email. please provide me with all the above documents/information I asked for so that I am able to verify that the debt is accurate, if you can not provide such please delete the accounts from my consumer reports immediately. I also would like to see that i gave you my permission/consent in your initial communication with me ( because you do not have the initial communication as required by law ) that you were able to prepare a report of my consumer character and report on my consumer credit report. If you can not provide the same then you are in violation of the FDCPA and are liable to me for my harm and actual and statutory damages. in the event that we can not come to an agreement, I will pursue this matter with arbitration or counsel.
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Date Opened : XX/XX/2002 Balance : {$3000.00} and XXXX XXXX XXXX Date XXXX Balance : {$0.00}
Consumer complaint received 2022-12-11
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. (NC)

not getting any response after numerous request and disputes I am writing to request the method of verification for dispute initiated and the subsequent response received by you.Re : 1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

XXXX Account Number XXXX XXXX Please remove it from my credit report. 

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account NumbeXXXX XXXX XXXX  Please remove it from my credit report. 

Please send the following information used to verify the validity of items above. 

The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence ; Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) I demand removal.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

Sincerely,
Consumer complaint received 2023-04-03
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA. XXXX To Whom It May Concern : This is concerning Account Number : XXXX. 

I previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was a copy of alleged account information. This does not begin to fulfill my information request and your requirement to provide the requested documentation. Your effort is inadequate and does not meet Federal Trade Commission debt validation guidelines. 

The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation. 

This is my second request. Please provide me with ALL of the following points of information : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations in Illinois has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. 

I intend to take all legal steps available to me if I do not hear back from you.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

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

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 XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MA)

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, WA XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Name : XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-13
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. (MO)

The Credit reporting agencies are required to remove the disputed fraudulent information being reported on my Credit File under the provisions of the Fair Credit Reporting Act section 605b. However, upon viewing my updated Credit Report, I realized that the Credit Bureaus have not yet complied with my multiple requests. I am now submitting this CFPB Complaint today to force the Credit reporting Agencies to remove the disputed items on my Credit file. It includes the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed {$4300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Also, the Credit Bureaus have claimed that the disputed items belong under my name and that the items were verified. If the items are really verified, I wonder why the Credit Bureaus have not sent me copies of proof of verification or documents bearing my signature. Under the provisions of the Fair Credit Reporting Act section 605b, I need the disputed items deleted at all cost.
Consumer complaint received 2024-09-23
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: EQUIFAX, INC. (GA)

I have paid off several accounts on my credit listed as collections or open unpaid accounts and it has been over 30 days since then. Each account is still listed on my credit report and my score has been negatively affected by this collection and the XXXX credit bureaus refusal to update my credit score by removing them by my background as they should. Per XXXX XXXX XXXX XXXX & the FCRA laws, anything that is negatively affecting my credit must be removed immediately. 

I have paid off and was told these collections were going to be removed from my credit report within 30 days. I made payments on XX/XX/year>, to the agencies listed below with confirmation numbers as well. Please have these removed from my background with all XXXX credit bureaus : Equifax, XXXX XXXX XXXX. I have listed XXXX disputes as well as my Equifax disputes to show that they are not honoring the Federal Laws for we the consumer. 
XXXX XXXX Account : XXXX - Paid {$650.00} - confirmation # : XXXX XXXX XXXX  XXXX Acct XXXX XXXX - Paid $ XXXX confirmation # XXXX XXXX  : Paid {$460.00} - Confirmation # XXXX XXXX  -Paid {$280.00} - Confirmation # XXXX XXXX XXXX - Paid {$480.00} - confirmation # XXXX They sold acct ending in XXXX on XX/XX/year>, to XXXX XXXX for collections as well XXXX That is against federal law. 
XXXX Card - Paid {$630.00} - Confirmation # XXXX XXXX XXXX  - Paid {$170.00} - Confirmation # XXXX
Consumer complaint received 2023-04-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.