davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated (NY)

I hope this message finds you well. My name is XXXX XXXX XXXX XXXX and I'm writing to formally lodge a complaint against XXXX  and their Way2Go Debitcard Program for failing to acknowledge and properly handle a dispute regarding fraudulent withdrawals from my account. 

In summary, I discovered unauthorized transactions on my account on XX/XX/2023. As required by the Electronic Fund Transfer Act ( EFTA ) and Regulation E, I reported the issue through a certified letter sent via USPS within the stipulated 60-day timeframe. This action has been documented through a tracking number provided by USPS, verifying the delivery of the letter. 

However, the bank has consistently failed to acknowledge the receipt of this initial complaint, despite providing them with the tracking information. Further, they have insisted that the dispute open date is based on when they opened the dispute internally, rather than the date when I sent the certified letter, which goes against the principles of the EFTA and Regulation E.

I've made several attempts to resolve this matter with Conduent and the Way2Go Debitcard Program through their designated customer service channels. Still, these efforts have proven fruitless. Contact with the company was only initiated after I filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX, and even then, the issue has remained unresolved. 

This communication has been primarily through email, as the contact number provided on the back of my card leads to no live assistance. The correspondence between myself and a representative of Conduent 's Way2Go Advocacy Group, named XXXX, is enclosed within this letter. 

In accordance with the EFTA, Regulation E, and potentially the Uniform Commercial Code ( UCC ) if the unauthorized withdrawals were made via forged checks, I am seeking your assistance in launching an investigation into these unauthorized withdrawals and limiting my liability to the maximum extent permitted by law. I believe that my rights as a consumer have been violated and request that this matter be urgently addressed. 

Thank you for your attention to this matter. Should you need additional information or documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$32000.00}
Consumer complaint received 2023-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (OH)

I disputed this account with the XXXX XXXX XXXX  on XX/XX/23. This is not my account and I did not open the account. I am not responsible for paying the account balance. I had other information on my account that was fraudulent and was removed along with wrong name variations that I have never used. I can't understand what experian received that the other two agencies didn't that they decided not to remove the account. It is as if they didn't really investigate the account. I have never received any written or phone contact from this company regarding this account.
Consumer complaint received 2023-07-25
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. (CA)

I reviewed my Consumer Reports and noticed that I had ONE late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX credit card was open back in 2017 and purchase were made. XXXX Has failed to send me any statement are correspondence regarding the account I have reached out to them to them regarding not getting any information and was advise they will resend my statement and the XXXX XXXX card information still have not received anything now account is in collection and having adverse effect on my credit report I have made a payment to the collection agency but I feel it is unfair to have account in collection and on my credit report
Consumer complaint received 2021-03-14
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. (CO)

This account ending in XXXX does not belong to me. It is currently reporting as a charged off account. My correct account with XXXXXXXX XXXX is in good standing. I do not know where the charged off account originated from. I demand the erroneous account information be deleted immediately. 

Thank you for your assistance with this matter.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (TX)

I appied for extention for XXXX payment due to loosing my job and spouse being sick. 
I decided to appy for assistance then findour PPH Mortgage reported my mortgage being one mont delinquent on my credit report while waiting on them to response to my extention. Therefore, the note will show late another month while waiting on them to correct this problem. PHH mortgage stated it will not be corrected even if it was their problems. Its just taking months to approve an extention.
Consumer complaint received 2023-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

NATIONAL CREDIT SYSTEM Is reporting I owe them and have been reporting this for a while I dont owe them anything this is false information being reported on my report reports ( XXXX, XXXX XXXX and XXXX XXXX ). Under FCRA Code 609 & 611 Id like for this to be removed from my credit reports immediately. The name is wrong address is wrong etc.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

Yesterday on XX/XX/XXXX, I wanted to purchase a XXXX XXXX blanket from XXXXXXXX XXXX and saw a seller that had it, her name was XXXX XXXX, i decided to message her and tell her to send me additional photos and she did but when i asked her to show more she decided to not and call me rude things such as who does this and why do you need proof as I have the item already? However after that she blocked me and refused to give me money after I made the transaction through paypal. I have already contacted paypal but they are not cooperating with me. The purchase amount was {$38.00} through friends and family. The seller was eventually a scammer who I knew nothing about until I saw today about a post on XXXX about her. The individual has now blocked me and deleted her XXXX profile but her paypal account is still active as she is rejecting my refund claims.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (CA)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.
Consumer complaint received 2023-07-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Violation Violations This is total fraud and a violation under FCRA 623 on my credit report the two accounts doesnt belong to me also I notice the dates on the accounts are off if the accounts were charged off why are there different updates on the payment history every month after the charge off under FRCA 623 this is an violation they never investigated the accounts being reported inaccurately please Delete the Two accounts this an violations under FCRA Delete Account : XXXX XXXX  XXXX Account number : XXXX the credit bureau didnt changed the dates last reported so that means they didnt do any investigations on the two accounts so how were they able to verify the two accounts being reported inaccurate the credit bureau didnt respond within the required 30 Days under FRCA thats an violation Delete the accounts for inaccurate activity being reported after accounts was charged off thats also another violation under the FCRA
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

" 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 2023-07-25
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. (GA)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1000.00} FL XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  {$20000.00} XXXX  XXXX {$4900.00} XXXX XXXX XXXX ( finance ) XXXX  XXXX ( bank ) XXXX XXXX XXXX XXXX XXXX bank ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
Consumer complaint received 2023-07-25
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. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2024-08-15
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX
Consumer complaint received 2023-07-25
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CCS Financial Services, Inc. (AL)

This service being Credit Collection Services contacted me back in mid XX/XX/XXXX and beginning of XXXX. With speaking to both myself and Spouse, we asked to contact through mail only. Creditor threatened to have my driving license blocked and wages possibly garnished. This creditor was advised debt was to be cleared due to inpatient stay and this expenses paid by Veterans Administration along with others, due to being a 100 % XXXX veteran and being inpatient for military injury. This debt is not owed by consumer. Payment was made to clear debt in XXXX.
Consumer complaint received 2023-07-10
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. (GA)

XXXX 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. 

XXXX - XXXX, XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A. States i have the right to privacy.

15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 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 2023-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (IA)

I received a text message on XX/XX/XXXX and again on XX/XX/XXXX from Dynamic Recovery Solutions claiming I owed XXXX. 

I called XX/XX/XXXX, and spoke to XXXX XXXX. She claimed LVLN and Resurgent hired them to collect on an account that should never have been sold. As I shared with her, I would provide the complaints previously filed with CFPB in XXXX, along with the documentation from the XXXX XXXX XXXX stating they do not have an account for me. 

Following is a copy of the email sent to Dynamic Recovery Solutions on XX/XX/XXXX : To Whom It XXXX Concern : I spoke to XXXX XXXX the afternoon of Thursday, XX/XX/XXXX regarding a collection attempt. I have never received any letter, yet did get a text, which makes me suspicious. As I shared with XXXX when I called directly, the information she has is incorrect ; therefore, I am attaching some of the documentation from a case I filed with the Consumer Financial Protection Agency back in XXXX. 

Of particular note, I corresponded directly with XXXX regarding this claim. As youll see in the letter dated XXXX XXXX, XXXX, from XXXX XXXX, Assistant Vice President of Customer Relations, XXXX found they did not have record of any reports to credit agencies. 

Finally, regarding the ongoing harassment of the collection agencies, this account should not have been continued to be sold. The previous company posted this resolution to my case on XXXX XXXX, XXXX : Good afternoon, In light of the consumers circumstances we have elected to permanently discontinue all collection efforts on this account. The account has been recalled from the servicing agent and is now closed. 

Please let me know if I need to reopen and file new complaints with the Consumer Financial Protection Agency. I will need to know exactly which companies are involved in this continued harassment to me. Otherwise, please respond letting me know that this case is closed and whatever account in question will not continue to be sold. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX Again, all documentation to that email to include the following previously filed cases : XXXX XXXX XXXX On XX/XX/XXXX, I received a letter from Resurgent Capitol stating they are reviewing an account for LVNV funding. I called the number and spoke to XXXX. This person was asking for personal information including my Social Security number, as well, which I refuse to give as I believe these people are scammers. 

XXXX  XXXX, XXXX is listed on the letter. As I told XXXX when I called the number on the text message, at no point have I received any previous communications about this from that entity, which again leads me to believe these companies are scammers, especially as this was resolved years ago. 

This was resolved long ago, yet I continue to get harassed by these companies, who want to know my personal information, where I work, and I have been contacted at work during the previous filed complaints.
Consumer complaint received 2023-07-25
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. (CA)

An account was opened on XX/XX/ with XXXX XXXX XXXX using my identification when I was hospitalized. This is fraudulent and was done without my consent.
Consumer complaint received 2024-08-15
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (AL)

This will be a second submission as I do believe my first submission was not received. 

On or around XXXX, 2022, I fell victim to a multi-layered scam operation run by XXXX, XXXX. Which involved me making deposits for a total amount of XXXX from my CashApp account. 

When I asked for help, I got automated responses by the bot ; If I got a person I would always get the same response as the bot. 

I would not like to stop my business with CashApp, and I'd very much like the matter to be resolved soon as possible in order for us to smooth out any rough patches or edges that we currently may have.