davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

2. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

4. XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

5. DEPT OF ED/XXXX Account # XXXX has violated my rights. 

6. XXXX XXXX Account # XXXX has violated my rights. 

7. XXXX XXXX XXXX Account # XXXX has violated my rights. 

8. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

9. XXXX XXXX XXXX / XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-10-28
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. (MO)

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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$320.00} ; XXXX  XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (PA)

XX/XX/2021 received a text from TD Bank that a checking account was opened in by me ( XXXX XXXX XXXX ). I had not opened account. Called TD Bank immediately and they were very helpful. I was passed to their Fraud Department and they confirmed a fraudulent account was opened. They confirmed by social security number, address and email had been compromised. TD Bank also confirmed a business accounts I was formally a co-signer was not compromised. TB Bank confirmed a closure letter for all accounts opened would be mailed to me within XXXX weeks.
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I notice that my credit report was ran without my consent on XX/XX/2019 by XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report from the banks they used with no resolve or help. I have contacted the creditors and they some said it will be removed from my report, but after 30 days it still shows. This is unacceptable and XXXX XXXX XXXX and the other creditors XXXX XXXX, XXXX XXXX, XXXX XXXX, Capital One and others havent been any help.
Consumer complaint received 2019-10-21
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. (MN)

I have asked Experian to remove address : " XXXX XXXX XXXX, XXXX, GA XXXX '' from my credit file on several occasions. They haven't removed it. I cant dispute it online because it says " Major Financial Corporation '' is reporting this address, but when I asked them, they said they have never reported that address. They are reporting my XXXX XXXX XXXX, XXXX XXXX, MN XXXX address as of XX/XX/2019. I know they are accurate, because when I check my account with them, that is the only address they have.
Consumer complaint received 2022-06-23
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: CITIBANK, N.A. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-10-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: OSG Group Holdings, Inc. (TX)

I was contacted by a XXXX XXXX from OSG Billing Services at XXXX XXXX regarding a payday loan with XXXX  XXXX  XXXX. She asked me if I was willing to voluntarily deal with this debt. I replied yes twice to this person. She told me she was going to send it back as 'refused ' This is fraudulent information she is reporting about me regarding my account. I asked for contact information for the company several times while on the phone with Ms. XXXX. She would never provide me with a mailing address for this company. I guess this is their gas-lighting procedure that they do. If you don't comply with what they want they lie about the outcome. I have been harassed by this company for months. They called my parents home today. My parents have nothing to do with this. 

I call the number back and ask for the company address several times. I get the run around. Nobody will give me the contact address. I called back to ask to speak to this Ms. XXXX and it goes to her voicemail every time. She knows she was acting unethically. 

I emailed an email address for the company telling them that I can not put my statement on the account.
Consumer complaint received 2022-03-31
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (VA)

I have on three previous occasions requested copies of the information you used to authenticate the claims of debt against me certified received on XX/XX/XXXX, XX/XX/XXXX and a third attempt was made on XX/XX/XXXX proof is attached. 

Pursuant to the Fair Credit Reporting Act [ 15 U.S.C. 1681g ( a ), I have a right to copies of all of the documents and information 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. If you are unable to provide validation, verifiable proof such as signed contracts or agreements within 30 days of receiving the first certified letter which was received on XX/XX/XXXX you must remove the unverifiable and incorrect information To assist you as best I can, I have again enclosed a copy of my drivers license and passport as proof of my identity and below the accounts in question. 



Company Account Balance Company Account Balance XXXX XXXX  XXXX {$0.00} XXXX  XXXX XXXX {$500.00} XXXX  XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXX {$500.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} Dept of Ed XXXX {$0.00} XXXX XXXX XXXX {$20000.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Your immediate attention to this matter is greatly appreciated. Upon correction please provide me with an updated copy of my report. 


Regards, XXXX XXXX
Consumer complaint received 2019-10-21
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MN)

Ten years ago I became totally XXXX with a XXXX XXXX related to XXXX XXXX and XXXX! The last twenty years have been one kick in the teeth after another both medically and financially for my family! I fell behind on bills and when my wife past I owed over a {>= $1,000,000} in medical bills alone! I live on {$13000.00} a year income ( Soc.Sec. ) and currently take 14 different medications a day! Five years ago my bank account was drained for medical expenses and I am still in need of completion of Dental work which I can not pay for directly! Ten years ago I was wrongfully terminated from my job with no hope of future employment! My financicial reputation was totally destroyed! I can not get credit anywhere even though I receive offers by postal mail and email! The credit reporting agencies have refused to give me a decent credit score thru FICA and have locked me in this position because my record is clean! They say I have to have bills!! I am XXXX yrs.old and have had the same residence for the last five years! How can a XXXX senior XXXX XXXX be treated this way! This is the second time I have contacted you! I am getting so fed up with this! I am glad my wife is not alive to see the way I am being disrespected! If you have any compassion at all you will look into this and rain XXXX down on the cold hearted XXXX responsible for my Situation! 
Respectfully : XXXX XXXX XXXX Tel # XXXX Soc.Sec. XXXX U.S.M.C. Service # XXXX
Consumer complaint received 2019-10-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Credit Reporting Act ( FCRA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FCRA.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear CFPB Agent, I've been noticing changes in my credit report that are not accurate. 
there is a company in particular that reported my Credit on XX/XX/2022 and I don't recognize or authorized. XXXX XXXX has posted an Inquiry on XX/XX/2022 please help resolve this issue. Thank you.
Consumer complaint received 2022-06-23
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. (TX)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX ACCOUNTS 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 an account without my written instructions.
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXXXXXX XXXX XXXX Account Number : XXXX 30 days late onXX/XX/XXXX 60 day in XX/XX/XXXX, 30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX,XX/XX/XXXX 60 days in XX/XX/XXXX,XX/XX/XXXX 30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 90 days late in XX/XX/XXXX, 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-03-31
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: All State Credit Bureau, Inc. (MI)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) with the account number XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-04-27
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violalod my federally prolecied consumer rights to privacy and confidontiality under 15 / USC 1681.

| 15 U.S.C 1681 section 802 A. States I have the right lo privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account wilhout my writlen instructions 15 U.S.C 1681c. ( eX5 ) Section Slates : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adve Hem of information, olher than records of convictions of crimes which antedates the report by more than seven years. 

Inquiry 1 : XXXX XXXX 2 : XXXX XXXX XXXX XXXX XXXX 3 & 4 : XXXX XXXX 5 : XXXX XXXX XXXX XXXX 6 : XXXX XXXX XXXX
Consumer complaint received 2019-10-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

I tried to submit an error in esperian credit report, and the phone agent told me to upload files that solve the issue at https : //www.experian.comXXXX. The upload did not work. Then i was told to challenge this error on experian.com as a member at the dispute center. The dispute center said that it was having technical issues. I was told again by the phone agent that they had been having troubles and to keep trying and " maybe it will start to work ''. This issue has extended for days. 

The impact to me is that we are in the process of getting loans, and waiting 30 days plus is not acceptable. If Esperian has incorrect credit information, it should have a functioning process to immediately receive information and resolve the issue. 

From their actions, and many days that it has not been working, it seems they are not taking this seriously and do not have the best interest of the consumer at heart. I can only speak for the days I have tried to use their system. It could have been broken for weeks or months.
Consumer complaint received 2022-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NC)

I HAD VENMO FOR YEARS. I TRANSFERRED {$4900.00} TO MY BANK ACCOUNT, VENMO STATED I SHOULD HAVE RECIEVED THE FUNDS THE NEXT BUSINESS DAY WHICH I DID NOT. VENMO FROZE MY ACCOUNT WITHOUT WARNING, THEN LATER THE SAME DAY CLOSED THE ACCOUNT WITH NO WAY OF ME RETAINING MY FUNDS. 

HOLDING MY FUNDS FOR NO LEGIT REASON OTHER THAN THEIR OWN FINANCIAL GAINS. AS IT STATES IN VENMOS 'TOS ' THEY CAN USE MY FUNDS TO TRADE AND GAIN INTEREST WHICH IAM NOT ENTITLED TO RECIVED ''. TO ME THATS AN INCENTIVE FOR VENMO TO FREEZE MY ACCOUNT AND OTHERS SO THAT THEY CAN PROFIT AND CAPITALIZE WITH NO REGARDS TO THE ACCOUNT HOLDER I CAN NOT ENDURE AFFORD FOR VENMO/PAYPAL TO PROFIT OFF MY FUNDS BY TRADING/CAPITALIZING. WHILE I SIT HERE IN A FINANCIAL PURGATORY THIS ISNT HOW CUSTOMERS ARE SUPPOSED TO BE TREATED IN A DIRE TIME LIKE THIS. 
INFLATION IS UP, COVID-19 IS UP, PEOPLE ARE STRUGGLING GLOBALLY. I WOULD LIKE MY FUNDS RELEASED PLEASE ASAP. AMOUNT : {$4900.00},,,,, IAM REQUESTING MY FUNDS RELEASED IMMEDIATELY TO PREVENT FURTHER LEGAL ACTION. SUBJECT TO ARBITRATION
Consumer complaint received 2022-07-08
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. (NY)

I sent a letter to each of the 3 credit bureaus ( XXXX, Experian, and XXXX ) on XX/XX/2022 via certified mail. These are the tracking numbers for each letter ; Experian XXXX, XXXX XXXX, XXXX XXXX. 

The letters were sent to the credit bureaus so they can investigate the inaccurate information on my credit report and delete or correct the disputed items that are listed in each letter. According to the Fair Credit Reporting Act Title 15 U.S. Code 1681 et seq., and the Code of Federal Regulations Title 12, Chapter 2, Part 222 et seq. inaccurate information and discrepancies should not be on my credit report.

Also according to 15 U.S. Code 6802, I have the right to privacy and my nonpublic personal information is not supposed to be disclosed to any nonaffiliated third party.The attached documents will show that my Federally protected consumer rights have been violated.
Consumer complaint received 2022-03-31
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. (LA)

On XX/XX/XXXX, I mailed a certified letter to XXXX regarding inaccurate reporting of late payments when my loan was in forbearance. There was no correspondence received from XXXX in return. They reported that my account was 90 days late in XX/XX/XXXX after reporting it current in XX/XX/XXXX. It's impossible to be 90 days late in a span of 30 days. I responded to their email requesting a forbearance on XX/XX/XXXX. A request for forbearance covers the span of 3 months prior and XXXX in advance. The request for forbearance was approved on XX/XX/XXXX. The information reported is currently inactive and should be updated immediately.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

In XXXX of XXXX I settled with Rash & Curtis for a XXXX bill of {$330.00}. 
Based on this agreement, they advised that it will settle my debt for less than the amount owed and that a letter will be sent to me and once my final payment processed and assured that the tradeline will be deleted from all 3 credit bureaus. As of today, I have not received a letter advising that the debt was settled and my account is still showing under collection. Since XX/XX/XXXX I have been sending the bureaus 2 letters a month on the XXXX and XXXX and have reached out to the Rash Curtis & Associates and they are both unresponsive. Per CFPB guidelines they have to respond to every notice within 30 days and they have both failed to do so.