davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
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. (IL)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2021-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (WA)

I had a cashapp account XXXX XXXX. Balance in my account was around {$120.00}. I changed to a new XXXX. There is no way in their app to deal with changing over to a new phone. Ive had over 15 emails with their service people. Ive provided al the information they requested and jumped through endless hoops and requests. After two weeks of this they simply said my request is denied and now all the money in the account is lost.
Consumer complaint received 2020-09-13
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: EQUIFAX, INC. (FL)

I settled my mortgage dispute with XXXX a year or so ago and as part of the agreement which I will include with XXXX was supposed to notify the credit agencies to remove the entries to my credit report, that no entry from XXXX should exist on my report. I paid them the settle amount of around {$80000.00} but they did not abide by the agreement as the entry is still on my credit report. I attempted to have this resolved last year and it still has not been resolved and has thus far lead to several adverse credit situations. 

XXXX  also would not let me dispute this again since I had disputed it previously, in other words, just making the situation worse by not removing it the first time! Equifax 's system would not allow me to access my report where I'm just assuming the entry also exists. The issue is currently in dispute with XXXX.
Consumer complaint received 2020-09-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (FL)

According to a credit report I received on XX/XX/2020, Financial Commonwealth Systems,  address listed as XXXX XXXX XXXX, XXXX XXXX, PA XXXX, phone listed as ( XXXX ) XXXX has falsely reported that I missed payments and am now in collections. 

I am unaware of any outstanding or unpaid debts to this creditor. I have not been notified in writing or by phone of any late or returned payments. I have been making regular payments to XXXX XXXX XXXXXXXX XXXX XXXXXXXX since the account was opened. It appears as though Financial Commonwealth Systems has assumed the account but I never received notification or request to change payment address to this new assignee. 

I am unaware of Financial Commonwealth Systems and I did not open an account with this agency on XX/XX/2020, as reported on my XX/XX/2020 XXXX  Credit Report. 

I have sent written notice to this agency demanding they amend the credit report and have also filed a dispute with XXXX. 

Account # with the prior creditor ( " XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ) is listed as XXXX. 

I have received no written notices from Financial Commonwealth Systems regarding late or missed payments.
Consumer complaint received 2024-10-21
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. (MN)

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 2021-02-09
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. (VA)

I have been trying to dispute negative and inaccurate items on my credit report with all 3 bureaus for over 50 days now. I have not gotten a response from any of the three. I have sent multiple letters off to each of them. Even providing facts and quoting laws and codes from the FDCPA. It has been 59 days now and I have not heard anything from these bureaus or seen any changes to my credit report. This is wrong and unlawful. I am demanding the negative accounts and information be deleted from my credit report. You will see all of the inaccurate accounts in the letters I have attached. The bureaus are violating FDCPA section 807. They have also failed to respond or investigate my disputes within a timely manner. This behavior is completely unacceptable. It is restricting my family and I from living our life comfortably.
Consumer complaint received 2020-04-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C.  1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX is saying that I owe {$4800.00} when I already settled the debt with them for {$1600.00} back in XXXX. My credit score is starting to fall and debt has increased on all three of my credit bureaus. This is false information. The company they used to collect the debt was XXXX XXXX. The charge shows on my bank account on XX/XX/XXXX through XXXX XXXX. Somehow this debt has returned. Please help. 

Here is the company in question : XXXX XXXX XXXX  Here is the company they used to collect the debt : XXXX XXXX XXXX
Consumer complaint received 2020-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I have a credit card with XXXX  XXXX  XXXX XXXX  I fell behind in XXXX of XX/XX/2020account balance was at XXXX $ in XXXX I cleared the balance and paid it off card is current and being paid on time from XXXX of XX/XX/2020till currently. In XXXX of XX/XX/2020I lost my card I reported they sent me a new card which was still at a XXXX $ balance. Equifax is saying I have 2 accounts 1 is at a XXXX $ balance and 1 at XXXX $ the card at XXXX doesn't exist they said it was updated last in XXXX and that the 2 times I have disputed it. Thats the information they are receiving even after they told me last update was in XXXX.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I RECENTLY MADE A COMPLAINT ABOUT EXPERIAN. I PUT A LOCK ON MY XXXX CREDIT IN 2018 AND UP TIL NOW MY USERNAME AND PASSWORD HAVE BEEN FINE. NEITHER SEEMS TO WORK. THESE XXXX WONT REMOVE THE FREEZE, UNLESS I SEND ALL MY PERSONAL INFORMATION THROUGH THE MAIL. AND WHO KNOWS THE FRUSTRATION THEY WILL MAKE FOR ME IF I WERE TO ACTUALLY DO THAT? THEY DO NOT ANSWER THE PHONE BECAUSE THEIR CUSTOMER SERVICE IS TERRIBLE. YOU GOVERNMENT XXXX  CLOSED MY FILE AS IFYOU HELPED ME, BUT ALL YOU DID WAS HELP THEM. AT AN EALIER TIME YOU WOULD HAVE HELPED ME, BUT NOW THIS XXXX IS TURING INTO XXXX. THE CITIZENS ARE GOING TO HAVE TO PUT ALLLL YOU XXXX  XXXX OUT OF BUSINESS. THE DAY WILL COME.
Consumer complaint received 2020-04-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (NC)

On XX/XX/20, Hunter Warfield called my job back to back within a 1 minute span. Hunter Warfield has my personal cell and my personal email. Thus, using aggressive and intimidating tactics by calling my place of business is unnecessary. Proof of calls attached. I have also made this company aware that I can't accept personal calls at work.
Consumer complaint received 2021-02-09
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)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Consumer complaint received 2024-10-21
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. (TN)

I have been trying to communicate with the bureaus to get XXXX account deleted from my file. I have been explaining that I am a XXXX XXXX XXXX I am a XXXX XXXX XXXX  and I fortunately survived. However, I checked my report, I am trying to get back up but I see items on my report that are not mine. These items are a result of identity theft due to XXXX XXXX problem I had. I am asking your agency to help me out. I have to clean my file, so I can move on but the bureaus are giving me a hard time. Can you please intervene and get these items removed. I appreciate your help.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2020-09-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My account someone took over stole my information wrote bad checks in my name and cashed them causing my account to be put in the negatives this happened XX/XX/XXXX Ive been in contact with XXXX XXXXl but it seems like nothing had been done by both banks Bank of America and now Im out of luck
Consumer complaint received 2021-02-09
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NH)

I had reported two charges to be fraud. The two charges were from XXXX XXXX, 2021 : XXXX XXXX XXXX - {$120.00} XXXX XXXX - {$28.00} I was told that these charges were marked as Fraud back then when I had called Chase Customer Service and were taken off my account and I was given a new card with a new card number. Today, when I opened my credit card application, I see that Chase re-billed for those two charges and on calling customer service/Fraud protection/Recovery Department I was told that the charges were put back on my account because the investigator put a memo on my account saying that " These charges were made physically at the store by providing the card '', Isn't this obvious? When I said I lost my card, that means someone got hold of my card and used it at a store. I dint do these charges and I need justice here.
Consumer complaint received 2024-10-21
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. (PA)

I am writing to address multiple concerns with the credit bureau, including incorrect account listings, an unfamiliar collection, unauthorized inquiries, inaccurate credit reporting, and billing errors. I am seeking assistance in resolving these issues to safeguard my financial well-being.
Consumer complaint received 2021-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

THIS IS NOT A DUPLICATE COMPLAINT. 

Capital One is NEED to be held accountable for their actions. I need to know why as the customer, that I need to ask another company for a THIRD PARTY LETTER HEAD to prove an item that I thought I was purchasing. I WANT MY MONEY BACK!!!!! I will sue them if I have to, it's the principal of this. I paid for an item, it wasn't what I ordered, the website was bogus. I thought Capital One would have my back, they instead threw me way underneath the bus. I've attached my purchasing receipt, a picture of the original item and the picture of the item that I received. All I wanted was a refund for an item that I did not order ... NOTHING MORE!!! I'm livid that everyone is siding with Capital One on this and this bogus XXXX company that DOES NOT EXIST. I contacted the Ombudsman and I actually thought that this would give them a swift kick in the rear but it didn't. They're not giving you'll the full story and if I have to go a New Station and tell my story I will, someone will here from me.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2021-02-09
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: EQUIFAX, INC. (DE)

There was a collection placed back on my credit report after being disputed last year and REMOVED. The collection was placed back on my report XXXX XXXX. Now from I understand if a collection is removed and is being placed back on my reports I have to be notified by the credit bureaus. I was not notified of anything. Equifax removed the account in XXXX and XXXX  and XXXX  was removed in the summer of 2020. I have taken a nose dive in my scores because this account is inaccurately reporting. I called XXXX  and was told they never removed the account, its always been on my report. I sent the bureau all the report numbers that i received last year without that account in there. At this point I want everyone to follow the rules. The law is in placed for a reason.