davidheineman/consumer-finance-complaints-large huggingface dataset:
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to file a formal complaint against XXXX for failing to remove fraudulent accounts from my credit report, despite being advised that these accounts are the result of identity theft. This failure violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The accounts are listed below XXXX XXXX XXXX As required by the FCRA, XXXX is obligated to conduct a reasonable investigation when a consumer disputes information on their credit report. However, they have failed to do so in this instance, continuing to report accounts that are fraudulent. In addition, under the FDCPA, I have the right to request verification of the debt, which XXXX has not provided in a timely or adequate manner. 

To resolve this issue, I am formally requesting that XXXX provide, within 15 days, the following : XXXX. The name of the person spoken to regarding this matter. 
XXXX. All documentation used during the investigation. 
XXXX. A copy of any signed application with a wet signature associated with these fraudulent accounts. 

I want to be clear that I am not requesting an XXXX  or automated response. If XXXX can not provide this documentation, these items must be immediately removed from my credit report, as they are in violation of both the FCRA ( 15 U.S.C. 1681i ) and FDCPA ( 15 U.S.C. 1692g ). 

Failure to comply will result in further legal action to protect my rights as a consumer. I appreciate your prompt attention to this matter and look forward to a resolution.
Consumer complaint received 2024-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I paid a loan with cashapp for XXXX the minute that I paid the loan I was charged XXXX witch was the amount due at the same exact time I was charged an additional XXXX for no reason i called the customer service number and was told that the loan department only contacts customers from email and it can take up to XXXX days. I received an very confusing email that has nothing to due with my problem and asked to be called its has been over XXXX weeks and as I much as i tried no one there has helped me or contacted me I have called and emailed and nothing has been done at this point cashapp is not working in good faith to resolve an issue that clearly was made by them
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-09-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Indie Technology DBA Found (AR)

on XX/XX/year> i used my Found Business checking account app to send an invoice to XXXX XXXX in the amount of {$2500.00}. i was with XXXX XXXX at the time the invoice was sent and XXXX XXXX paid the invoice at the time while i witnessed the transaction process. the {$2500.00} was deducted from XXXX XXXX account. and the transaction was complete on his end. 

I then checked my account on the Found banking app and the money was not there. i waited a few days and still had not received the funds. 
after contaction customer service i found out that Found bank uses a payment processor called XXXX and i contact them about the {$2500.00} payment. 

i fount the website at XXXX  and was able to log in to my account using my Found Bank login info. and it said that payouts were on hold until i verified my information. 
I sent everything they requested on SEVERAL different occasions and they still wouldnt process my {$2500.00} payout. 
I emailed their customer service because the phone number to XXXX is not found i=on their website that i could find. after several days i got a response saying that they have refunded all the transactions that they would refund and that they were closing my account and no further refunds would be issued. 
i logged ino my account at XXXX and saw that there had been a " early Fraud Warning '' alert ' on the {$2500.00} transaction from XXXX XXXX. 

XXXX will not respond to my emails as to why or when ill get my money and on my account it will not allow me to process a refund to the customer. 

after several days of not hearing from stripe.com i told XXXX XXXX to file a dispute with his bank for the transaction. Im unsure of the reason but XXXX XXXX tikd me that the dispute was denied and he did not get the money back. 

XXXX  has had a hold on the {$2500.00} since XXXX of 2024 and it has been XXXX  months. they will not respond to my emails and i have no way to get in touch with them because every time ive asked for a phone number i either dont get a response or they refuse to give the the number. 


also at the beginning i was unaware that found would be outsourcing this payment because on their website it states that the funds would the immediatey avail in my accunt
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report.

As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of {$600.00} or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law.

Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of {$600.00}. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations. 

Please send the 1099-C form at your earliest convenience, either to my physical address or via email at XXXX Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I sent a cease and Desist letter months ago, and they incessantly call from their own number as well as multiple voip numbers, that when googled, always comes up with their company name. Every spam filter and robo call website that lists their multiple fake numbers is littered with comments from multiple consumers complaining about the same issues I'm having. 

Despite being told that I have no business with them and to stop calling, I also sent a cease and Desist, they stopped for XXXX month and are calling AGAIN from the voip numbers. 

They have called before, during, and after business hours ( XXXX XXXX  ), and on weekends. They have been sued many times and there are many, many complaints about their deceptive contact practices.
Consumer complaint received 2024-09-22
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: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I've have ask for following information 1. My Full name ( document 2. ) Date & : Time of transaction ( 3 ) .my full signature with the date. ( 4. ) amount with the description of the charges. The account in question does not belong to me the amount been reported on my credit profile is outrageous. All my payment was made on time With no outstanding balance. The collection company fair collection & out sourcing is report fraudulent amount .I don't owe them anything.
Consumer complaint received 2024-10-16
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. (NY)

Despite the multiple previous written requests, the unverified item 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 this item is being reported correctly? Who verified this item? 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 item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXX/XX/XXXXXXXX XXXX ....
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Sent request that the credit reporting agencies correct and update the information on credit report. Request the agencies to block for promotional purposes and any negative remarks on credit file to be blocked for promotional purposes. Request that pursuant to Fair Credit Reporting Act any late remarks after discharge in bankruptcy are inaccurate and must be removed immediately. The Credit Reporting agencies are still inaccurately reporting and in violations.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX, XXXX are reporting inaccurate information. Violating Privacy Act of 1974 and helping commit security fraud. They have collections in my account that I never signed a contract with RADIUS XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX As a Federally protected consumer I am opting out of XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX  Opt out XXXX Opt out means a direction by the consumer that you not disclose nonpublic personal information about that consumer to a nonaffiliated third party. All 3 major credit reporting agencies are third party. I tried and nothing. All three credit reports have non-public personal information. Only inquiry I should have is the XXXX XXXX Bank. Any other inquiry needs to be removed. I never gave written consent nor do I have any form of credit, open end credit, mortgage or conducting business. 



15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers Nonpublic Personal Information ( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers that is derived using any personally identifiable financial information that is not publicly available.

Nonpublic personal information means : ( i ) Personally identifiable financial information ; EXAMPLES : Personally identifiable financial information includes : ( A ) Information a consumer provides to you on an application to obtain a loan, credit card, or other financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; Certificate of indebtedness according to IRS publication is considered income and income is not supposed to be part of credit report.

1681b. Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. Opt out
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AUTOMOTIVE CREDIT CORPORATION (NY)

I am writing to formally dispute the validity of the collection account referenced above, which has been inaccurately reported on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I request that you investigate this matter and remove any erroneous information regarding this debt from my credit report.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

iam a victim of identity theft i found a few accounts that i don't recognize and student loans and ive never been to school my credit is harmed and they violated my privacy and my consumer rights and ruined my credit and this is illegal i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX inquiries : XXXX XXXX XXXX, 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
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit report. I noticed that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me tremendously as I am in the process of buy a new car for my family. Please remove these fraudulent accounts on my credit report as soon as possible.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report.

As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of {$600.00} or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law.

Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of {$600.00}. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations.

Please send the 1099-C form at your earliest convenience, either to my physical address or via email at XXXX Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified accounts listed below still remain 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 verified that these accounts are being reported correctly? Who verified these accounts? 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 accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX, XXXX XXXX XXXX
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: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I have ask XXXX to correct this issue XXXX XXXX XXXX XXXX XXXX collection .this account was paid on time every month with a XXXX balance also state paid monthly.all payment was made on time you can see that they reporting it as if it was a collection account. Correct the issue all payment are current also remove those derogatory remarks. report this account all payment a current.
Consumer complaint received 2024-09-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (NY)

Summary : A TD bank systems error occurred when opening accounts online, but both accounts were created without my knowledge. I have no way to get the account information to continue and was suggested to go to a bank branch. 

On XX/XX/XXXX, I applied online for a TD Complete Checking Account and a TD Signature Savings Account to take advantage of their {$500.00} combined promotion. 

There was a systems error on TDs side ( see screenshot attached, which said my account could not be opened. ) I wasnt able to apply again since TD assumes I am already a TD customer and have the account information necessary to obtain my login credentials. I did not receive an email and I do not have any of the account information. 

I sent an email to XXXX but it appears that is the XXXX entity and they could not help or provide an email for the XXXX entity. 

On XX/XX/XXXX, I called TD and they confirmed both accounts were opened that the next step is to retrieve my login credentials. Retrieving them is impossible to do since I have none of my account information necessary. This was relayed and I was told my only option was to try at a bank branch in person.