davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-09-29
Product: Credit reporting 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. (NM)

I noticed that in the last couples of months my credit score came down, from XXXX to XXXX and this is impacting my XXXX score. I'm always on time with all my payment. I haven't request for a new credit cars or loans. Why my credit score decreases? I would like to know the reason. Thanks.
Consumer complaint received 2022-07-27
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: Bread Financial Holdings, Inc. (NJ)

BJ 's Master Card serviced by Comenity Bank ( Bread Financial ) since XX/XX/2022 can not access my account either on line or through a representaive at the bank. The Bank can not provide me with any details or send me a statement of the charges on my account. I am not able to make payments on the account either on line or by phone. Their response is they can see that my account is active but can not see any details. I have been calling them since XX/XX/2022 and can not get this resolved as they continue to tell me their nothing they can do to help me. Since I can not access my account I can not provdie any futher details.
Consumer complaint received 2024-09-24
Product: Credit reporting 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. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account XXXX : XXXX
Consumer complaint received 2023-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RGS Financial, Inc. (IL)

I have sent multiple letters and proof to XXXX XXXX XXXX that the transactions on my XXXX XXXX XXXX were not mine. 

Disputed transactions : XX/XX/22- {$100.00} XX/XX/22- {$510.00} XX/XX/22 - {$360.00} XX/XX/22- {$44.00} I have written XXXX XXXX XXXX a formal letter on XX/XX/22 disputing the above transactions but they have ignored my dispute only calling me more and without explanation or proof from their investigators as to why they believe it was me and have referred it to RGS financial to collect the debt whom I have also written a letter to on XX/XX/22. They have continued to call and request this money although I have clear evidence that it was not I or anyone I know who made these transactions. I am extremely frustrated with XXXX and how poorly and unprofessionally they have handled this case and how they have treated me. 

Attached are my formal letters, correspondence I've received and my card purchases and payments I've knowingly made.
Consumer complaint received 2023-03-28
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. (TX)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-28
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. (IL)

I recently check my credit file and i saw a account that was mines the date of the account was XX/XX/2022 the collection Agency was XXXX XXXX XXXX. THE AMOUNT WAS {$710.00} I have no recognition of this account or knowledge of this account. I'm a victim of fraud. In information is report wrong information on my credit file. I being violated of my rights under the fair credit ACT.
Consumer complaint received 2024-08-27
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. (CA)

This account was charged off on the following date : XXXX XXXX  CHARGE OFF. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights AND HAVE COST ME CONSIDERABLE AMOUNTS IN CREDIT APPROVALS. I am demanding a DELETION of the following accounts : Experian : XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern : In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the law 1681 15 USC.

Pursuant to 1681 15 USC section 602 A states I have the right to privacy.

Pursuant to 1681 15 USC section 604 A section 2 : it also states a consume reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement and terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of the notice. I look forward to your response. 
My information was involved in the XXXX XXXX and are unfairly being reported to my credit report. 
Resolutions : Please have these accounts deleted unless you want to be held accountable for {$1000.00} per account ; XXXX. XXXX XXXX XXXX. Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX  Account # XXXX XXXX. XXXX XXXX Account XXXX XXXXXXXX XXXX. XXXX Account XXXX XXXX. XXXX Account XXXX XXXX XXXX. XXXX - XXXX I am including a copy of my drivers license with my updated ID and my Social security Card To have these items deleted from my report.
Consumer complaint received 2023-09-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC (WV)

I have a HELOC that was through my former employer, XXXX XXXX. They sold the HELOC to Specialized Loan Servicing ( SLS ) in Colorado. My monthly payment has been {$180.00} for years. SLS pulled {$1400.00} from my checking account on XX/XX/23. When I asked the reason, they advised it was for flood coverage. I advised I already have a flood policy covering my home. I provided proof of coverage, proof that it was paid in full for the {$1000.00}, and that policy is paid through an escrow account on my primary mortgage through XXXX XXXX. After half a dozen emails, and hours on their 'customer service ' site, they admitted their error, but refuse to return my money. I even tried to directly email 8 executives of SLS I found online directly, with no response. 

Today I received notice from SLS that if, I want my money back, I can call the insurance company and fight with them. I have told SLS repeatedly they took {$1400.00}, not {$1000.00}, but they refuse to acknowledge that. They also advised I needed to start paying my normal {$250.00} per month payment. My payment was never {$250.00}. I also have no doubt SLS will do this again next year. I have documentation of EVERYTHING, including emails, bank statements, escrow statements, etc.
Consumer complaint received 2023-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

XX/XX/2023 I received a Money request for XXXX to my venmo account.The message read " At the store i left my wallet at home I'll send it back as soon as i get home " The profile showed My sisters name and photo it was listed as payment between friends. I sent the money thinking it was my sister need groceries. 30 minutes later My sister arrived to my house showing me a post on XXXX. The post showed this same message going around town. Fake profiles of family or loved ones asking for money thru Venmo. I called the bank right away to dispute they advised do to Venmos terms of use they could not assist me with returning the money. Photos will show the fraudster is listed as a friend of mine. They are not on my friends list of contacts this is a Venmo error and should hold them selfs and scammers accountable.
Consumer complaint received 2024-09-24
Product: Credit reporting 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (AL)

To whom it may concern As a XXXX protected Consumer, I have been VIOLATED by AFFIRM. Affirm has been trying to collect a debt not owed for XXXX now. Even if affirm assumed that the ALLEGED debt was valid that DOES NOT give Affirm the right to VIOLATE me I have copies of my call log that shows PROOF of affirm calling me continuously ( more than XXXX times ) inconveniently to annoy me even while I am AT WORK which is a violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ). AFFIRM has also VIOLATED me by furnishing my private information to XXXX  parties when they charged off this ALLEGED debt which is a violation of XXXX XXXX XXXX ( XXXX ) which states UNDER FEDERAL LAW a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency and a XXXX-party collection agency IS NOT XXXX of those XXXX. I request that you show me a contract I signed with AFFIRM and a NOTARIZED Accounting ledger showing that I owe you a debt. This is not me saying i won't pay because I happily will but according to my CONSUMER RIGHTS I have the RIGHT to validate ANY ALLEGED DEBTS.
Consumer complaint received 2022-08-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

3 Remaining Negative Accounts. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2022-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY Thank you for your help in this matter.
Consumer complaint received 2024-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc. (PA)

I have a lot of credit card debt across multiple credit cards. I'm working on a plan to consolidate that debt onto lower interest cards to help me pay down my debt. I was able to transfer my balances to XXXX XXXX interest cards for all of my credit cards except one - PROSPER bank. PROSPER has the HIGHEST interest rate of all my credit cards, at a whopping XXXX XXXX I pay the minimum balance each month, because that's all that I can afford right now. For example, last month ( XX/XX/year> ) I paid the {$37.00} minimum balance and got charged {$27.00} in interest, so the balance only decreased by {$9.00}. The balance is about {$990.00}, once the XX/XX/year> interest charge gets applied. When attempting to perform a balance transfer to my PROSPER credit card account, paying it off with a XXXX XXXX interest card that I just obtained, I received an error that the card number was invalid. I tried it multiple times. I thought it was me. I have a friend was willing to obtain a credit card with a XXXX XXXX balance transfer offer for me, and attempt to pay off the card for me. This time, he received a similar error from HIS bank that the card number was invalid. 

Multiple banks ( credit card issuers ) were now saying that the account # XXXX XXXX XXXX XXXX is an invalid credit card number. I called PROPSER at XXXX on XX/XX/year> to ask them why I can't do a balance transfer from another bank to pay off my credit card. I asked if there was some sort of restriction or something on my account that could be causing this. 

" CJ '' at PROSPER said that PROSPER does not allow balance transfers to or from another credit card account. It's their policy. That seems absurd to me. So the credit card with the highest interest rate of all my credit cards will not allow me to pay it off with a lower interest card? How could that be their " policy ''? Why do they care where the money is coming from? This feels predatory, and doesn't sit right with me. I can see no other reason for this policy other than to ensure that I'm forced to continue to pay them high interest rates for years. I'm finally making efforts to improve my financial future, and PROSPER seems to have policies in place designed specifically to prevent that from happening. 

I'd like to be able to transfer my balance to a XXXX XXXX interest card that I obtained specifically for this purpose.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have a charged-off account with XXXXXXXX XXXX XXXX XXXX XXXXXXXX with an original balance of {$8200.00}. I contacted the bank and learned that XXXX is managing my account. On XX/XX/2024, I set up a payment plan with XXXX for {$120.00} per month and made my initial payment. 

Despite this arrangement, XXXX XXXX XXXX  reported to the credit bureaus on XX/XX/2024, that I have not made any payments and that my outstanding balance is {$12000.00}. This is inaccurate and damaging to my credit report. 

I have attached documentation of my payment plan and proof of my initial payment. I would appreciate your assistance in resolving this issue.