davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Verification Account Number : [ XXXX, ] Dear [ CAPITAL ONE I am writing to formally request validation and verification of the debt your company claims I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g. Please provide detailed information so I may determine whether I am indeed responsible for this debt.

In particular, please send me : 1. The original creditors name and address associated with the debt. 
2. The amount of the debt, including a breakdown of any fees or interest accrued.

3. Proof that your agency has the authority to collect this debt, including any documentation confirming your assignment or ownership of the debt.

4. Details of the original agreement that created the debt, to verify the legitimacy and accuracy of the claim. 
Please treat this letter as a formal dispute of the debt and cease all collection activities, including reporting on my credit, until the requested information is provided. Additionally, please be aware that any attempt to collect a debt without validation is a violation of the FDCPA. 
Thank you for your prompt attention to this matter. I look forward to receiving the necessary information to resolve this issue. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Once my laptop was stolen I checked my credit report and found that there were many addresses that I have not ever lived at on my report as well and my name had three spellings that were also inaccurate. I contacted all three bureaus regarding these personal details and it was not corrected even after my calls and letters
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (TX)

In XX/XX/XXXX I defaulted on my car loan with Bridgecrest. My payment for XXXX XXXX XXXX is {$630.00}. In XX/XX/XXXX I contacted Bridgecrest and was given an arrangement to place my account back on track. I agreed to pay {$1800.00} to bring it current and resume my monthly payments of {$630.00} on XX/XX/XXXX. I made both XXXX and XXXX payments. In XX/XX/XXXX, I attempted to make my payment over the phone but the office was closed. Considering the delicate nature of the account and the prior issues, i decided not to process my payment using the automated system. i called the next day to process my payment with a live agent. The agent stated my original arrangement had defaulted because i was one day late on the payment. The agent stated I would have to pay {$1200.00} that day and my car was placed into repossession status. I asked for the delinquent balance and was told it was {$3500.00}. It was explained that balance was retroactive from the XX/XX/XXXX balance. Additionally, Bridgecrest has placed my account in a charge off status although i am actively paying on it. This derogatory status has caused unfavorable decisions from otherwise promising credit opportunities.
Consumer complaint received 2024-07-24
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)

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 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to formally lodge a complaint regarding inaccurate information that continues to be reported on my credit report maintained by Experia, XXXX and XXXX. Despite my repeated efforts to rectify this issue, the incorrect information has not been removed from my credit file. 

Since XXXX, I have consistently submitted supporting documentation to XXXX XXXX XXXX {$62000.00} and XXXX XXXX XXXX XXXX {$12000.00} rectify these errors. These documents include [ list supporting documents submitted, e.g., identification documents, dispute letters, correspondence with creditors, etc. ]. 

Specifically, I have sent letters and supporting documents. 
Despite these efforts, the incorrect information remains on my credit report. This situation has caused significant inconvenience and financial harm as it has adversely affected my creditworthiness and ability to obtain favorable terms on loans and credit accounts. 

I request that Experian, XXXX and XXXX to immediately conduct a thorough investigation into this matter and take appropriate action to remove the inaccurate information from my credit report. I also request a written confirmation once the correction has been made. 

Enclosed with this letter are copies of all supporting documents for your reference. Please review these documents carefully to verify the accuracy of my claim. 

If necessary, I am prepared to pursue further actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are protected. I expect a prompt resolution to this matter and request a response within 30 days of the receipt of this letter. 

Thank you for your immediate attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This CFPB complaint has been filed to request pursuant to 15 U.S. Code 1681c2 that you the consumer reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of 2 personal credit card accounts. A XXXX XXXX account was opened in XX/XX/XXXX ( ACCT # XXXX ) for {$730.00}. A XXXX XXXX XXXX in XX/XX/XXXX ( ACCT # XXXX ) for {$970.00}. An auto loan in XX/XX/XXXX with XXXX XXXX ( ACCT # XXXX ) for {$12000.00} and a personal loan from XXXX XXXX  in XX/XX/XXXX ( ACCT # XXXX ) in the amount of $ XXXXThese accounts have resulted in several fraudulent chargeoff accounts being reported to my FICO Consumer Report. Ive attached a list of all the fraudulent accounts on my credit report. The aforementioned accounts, chargeoffs, that are on my credit report I do not recognize. These accounts werent opened, made or initiated by me. All these accounts are the results of identity theft and fraud. I have attached a copy of the FTC ( IDENTITY THEFT CRIMINAL COMPLAINT ) case # XXXX as proof from the U.S FEDERAL TRADE COMMISSION that all the aforementioned accounts are the results of fraud.
Consumer complaint received 2024-07-24
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 frustrated by the response from the credit reporting agencies claiming that the investigation of these accounts came back as verified. My credit report still contains multiple inaccuracies.

Under 15 U.S.C 1681i ( 7 ) Method of Verification, I have the right to understand the verification process your agency conducted. I demand a detailed account of every step taken to ensure these disputed items are accurate.

Despite these investigations, my credit report still reflects discrepancies. Please rectify these errors promptly and provide the documentation I am entitled to under the law.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This account is being reported wrong. This is a XXXX  ( not a mortgage ), which is an installment loan per XXXX and XXXX XXXX monthly debt XXXX Im requesting to remove any reference to mortgage or foreclosure. 

The XXXX XXXX XXXX reported to my credit report as a foreclosure. It was a fraud all over, I paid since XXXX up to XXXX. But this according to XXXX guideness is a installment payment, which it was, not a mortgage payment. 
I reported this to Experian, which is the bureau they reported as foreclosure, affecting considerably my untouchable credit history
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-02-16
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. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet.I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

When I pulled my credit report trying to get my credit back in good standing I noticed that the reporting agencies all three have many different names on my report that are not mine a couple of different addresses that are not mine and they also have phone numbers that are not mine and never were mine some of these names belong to someone else so I'm afraid that it's going to cause more problems later. There is also accounts that have been charged off on my report and I think we all know that this isn't supposed to happen this is seriously hindering my credit they have also gotten all of this bad information from somewhere and they are reporting without my consent in some situations
Consumer complaint received 2023-07-29
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. (VA)

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.

The letters are stated with items and issues.

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 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I was looking at my credit report on XX/XX/year>, and I found that some addresses and other personal information to be incorrect. According to The Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S.C. 1681e ( b ). 

Experian continues to report my name, my address, phone number incorrect on my credit report. I also have attached my letter that Ive sent Experian in XXXX of XXXX.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NV)

i initially opened an account with Wells Fargo back in XXXX ( not sure a month ). My account was compromised and closed due to fraud in XX/XX/XXXX with XXXX balance. This was when Wells Fargo had issues and complaints started coming in from XXXX of people stating Wells Fargo employees were opening accounts without their knowledge. I later ( around XX/XX/XXXX ) noticed that Wells Fargo reopened the account and now showed the balance {$7100.00}. I have not requested this account and i did not make any charges. I have been to the bank several times they were giving me descriptions of certain charges i told them i didn't do with a clear explanation that they were made outside of my town, they would agree and close the account, then a couple of months later they reopened it again. I went to the police and filed a police report. police couldn't investigate since most charges were outside of their jurisdiction. I received a letter from the collective class action lawsuit against Wells Fargo and joined the case. When the case was won I thought it's all over. It is not. I also file an FTC report against them its clearly a fraud! I want them to stop ruining my life and stop this reporting!
Consumer complaint received 2024-07-24
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. (OH)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My credit card was fraudulently charged for several transactions that I did not authorize. These charges were not made by me, nor did I give anyone permission to use my card. I live in XXXX XXXX, XXXX, but the transactions occurred in Texas, a state where I have no personal or business connections. 

The fraudulent charges are as follows : XX/XX/2024 : {$200.00} at XXXX in XXXX XXXXXXXX XXXX ( store # XXXX ) XX/XX/2024 : {$200.00} at XXXX in XXXX, XXXX  ( store # XXXX ) XX/XX/2024 : {$1.00} at XXXX  XXXX - XXXX XXXX XXXX in XXXX XXXX, XXXX I have disputed these charges with my bank three times, but each time my claim was denied. The bank claims that my PIN was used for these transactions, but this is impossible as I was not in XXXX at the time, nor did I authorize these purchases. I have requested detailed information about these transactions, including the specific locations and transfer details, but the bank has not provided this information. 

I am seeking CFPBs assistance to resolve this issue and help me get a refund for these unauthorized charges.
Consumer complaint received 2023-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OR)

I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account ( email : XXXX ). I firmly believe that this limitation was a result of an error, as I am confident that I have not violated any PayPal policies or engaged in any suspicious activities. 

I have been a loyal PayPal user and I have always strived to comply with all the terms and conditions outlined by PayPal. As an honest and law-abiding customer, it came as a shock to me when my account was permanently limited. 

I kindly request that PayPal re-investigates my case thoroughly to verify that no violations have occurred from my end. I assure you that there must have been a misunderstanding or misinterpretation of the account activity that led to this unfortunate situation. I am more than willing to cooperate fully with any further investigation to clear up any doubts regarding my account usage. 

My PayPal account is crucial for my daily transactions and financial operations, and I earnestly appeal for its restoration. I understand that security is of the utmost importance to PayPal, and I wholeheartedly support any measures taken to protect the platform and its users. However, in this particular case, I firmly believe that an error has been made, and I hope that you will give it a fair and unbiased reconsideration. 

I sincerely appreciate your prompt attention to this matter and the opportunity to present my case. Please do not hesitate to reach out to me if any further information is required to facilitate the investigation process. I am committed to resolving this matter and continuing to use PayPal responsibly.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Hello, I am not sure if this is the place to report this, but I will start here and see. If this is not the right place who cares about things like this? XXXX? How about we don't allow Experian to be one of the 3 major credit reporting agencies ; their customer service is horrible. I was involved in multiple data breaches the national one, the XXXX XXXX and XXXX. I am starting with fraud alerts on my accounts. I was able to get to a person to help with with XXXX and XXXX within a reasonable amount of time. 

Today is XXXX XX/XX/2024. I have repeatedly tried to get a hold of a person at Experian because I am locked out of my account. I wanted to set a fraud alert to start, but I can not do this if I can't access my account. I think they had an old phone number of mine and there was absolutely no way to get into my account. Their XXXX numbers do not get you to a person, they just hang up on you if you don't select one of their options. None of their options provided me an option for what I needed help with. I was hung up on by their automated system multiple times. I called on the XXXX multiple times. I called today 3 times and finally found a number which put me on hold for XXXX mins. after the first person answered. Then I hung up thinking I had the wrong number. I called back to the same number, as it seemed to be the best option to get a person, and after XXXX mins on hold I got someone who was able to help. This is extremely poor treatment for a customer. Experian is a fairly large company with over XXXX people employed worldwide. How can they provide such poor service with that many people working for them?! Of course why do they care, we have to use them! Why do we have 3 major credit monitoring agencies in the US. How about we just have one and stop making life so stressful for us all! Let 's get rid of Experian as one of them. Thank you = )
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

APPROXIMATELY 10-12 MONTHS I HAVE REQUESTED MULTIPLE TIMES FOR EQUIFAX/EXPERIAN/TRANSUNION TO PROVIDE PROOF OF ACCOUNT DETAILS WITH DOCUMENTATION. I HAVE DISPUTED THE ACCOUNT DETAILS AS IT IS EFFECTING MY CREDIT SCORE AND HISTORY. THE CREDIT AGENCIES ARE NOT FOLLOWING THE LAWS AS THEY CONTINUE TO VIOLATE MY RIGHTS UNDER FCRA. THEY HAVE MADE MULTIPLE CHANGES WHICH ALL HAVE BEEN INACCURATE, THEREFORE THIS ACCOUNT MUST BE REMOVED ALTOGETHER. 

XXXX XXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX XXXX - {$7700.00}
Consumer complaint received 2024-07-24
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: Experian Information Solutions Inc. (SC)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-07-24
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)

The Credit bereaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.