davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, PA XXXX FTC Report Number : XXXX Account Name - XXXX XXXX XXXX Account Number - XXXX To Whom It May Concern, On XX/XX/2023, disputed an account reported by XXXX XXXX XXXX XXXX the file you maintain under my Social Security number. 

I was informed on XX/XX/2023 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. Which you never notified me. Please show me a certified copy of the letter you sent to the address above within 5 business days of this reinsertion. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

This is not a duplicate request nor filed by a 3rd Party Credit Repair agency. I'm adding some information to this report so please send this to EXPERIAN ASAP. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c2 ) that you, the EXPERIAN consumer credit agency block information that is 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 consists of a personal credit card accounted opened at XXXX XXXX XXXX Account # XXXX opened on XX/XX/year> this account appears to be related to the aforementioned in this dispute. This account has resulted in a fraudulent collection appearing on my consumer XXXX credit report. I do not recognize the aformentioned account, collection, and or hard inquiry as reported. The aforementioned account, collection, and or hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, collection, and hard inquiry is the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collection, and hard inquiry is a result of identity theft and fraud.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, that I recently received. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-18
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. (AZ)

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 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 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Capital One Bank, 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 an account without my written instructions. This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill. The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies. As a victim of identity theft I have reported several alerts to my credit bureau accounts.
Consumer complaint received 2023-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (PA)

Hello well on XX/XX/2023 I put my money into XXXX XXXX and al.ost immediately they froze everything which that's all the money I have. I have repeatedly contacted them on live chat, email and in calling asking why my funds are frozen and for how long and in every case I get the same answer you will be contacted by our investigation team and still nothing. At this point on XX/XX/2023 it will be 45 days since they did this.
Consumer complaint received 2024-09-18
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. (IL)

I need your assistance with an incorrect account showing up on my credit report. This issue has affected my reputation, and I am seeking your help. Due to your mishandling of my credit information, my standing has been severely damaged. Please remove this incorrect information from my credit report.
Consumer complaint received 2023-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (NC)

I originally submitted a trip delay insurance reimbursement request to my Chase United Visa Credit card at the end of XXXX for a trip delay for my family of 4 to XXXX at the end of XXXX ( before 60 days ) when we were stranded in XXXX instead. We had to purchase two hotel rooms in XXXX, couldn't cancel our hotel in XXXX, purchase food in XXXX for the day that we were there, and then had to purchase four train tickets the next morning to XXXX because there were no available flights. This was during the XXXX XXXX XXXX XXXX XXXX. 

Our credit card, which was used to purchase all four tickets, has trip delay insurance coverage, which I read all the details about, and we are entitled to reimbursement for our four travelers for a total of {$1300.00}. 

I have provided mountains of documentation, including all receipts for all expenses and proof of purchase via credit card statements. 

The credit card insurance provider, for 2+ months now, keeps waiting 1-2 weeks each time something is submitted, and then they ask for another document each time stating something that was previously not requested has not been provided. This has happened for at least four iterations In the last one, they asked for a document that I already provided. 

It has become clear that they are purposely delaying and making it as difficult as possible in the hope that I will give up.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (TX)

XXXX XXXX : I made phone call while living at XXXX shelter to TD Bank/Target Guest Services to inform them that I was following up on my credit card account because I had received notification that my account had 2 late payments on my credit report and that the balance was not mine. I informed them that I wanted to open an dispute for the late payments to dispute through their bank and have them remove them from my credit report, in addition to update the in appropriate balance on the credit card statement. 
I explained that this was because I was a victim of XXXX XXXXXXXX and I was living in a shelter with my children and I had no personal phone and no direct mail access. The address on file was my permanent address but my mother was not in communication with me for safety reasons and therefore I was unaware of due balance. 
The lady stated she would open a dispute but did not provide me with any details or case number for reference prior to phone call ending to verify the debt and allow me to dispute charges. 
This debt is not mine. My identity was stolen and credit was used while being attached to XXXX XXXX and in person charges as well. 
XX/XX/2023 : I received notification that the account was closed and placed in collections and that they felt debt was valid. 

There are XXXX late payments reporting with XXXX account # XXXX in XXXX and XX/XX/2023. 

There is also collections/charge off reporting in XX/XX/2023. 

I did not agree to give access the person who stole my identity to make these purchases.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2015-09-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SIMM Associates, Inc. (IA)

I received a letter from Simm Associates regarding a debt from a creditor I 've never heard of. I have never had an account with " XXXX XXXX '' or heard of this company. There is n't any other information about this company I supposedly owe. I have tried to contact the company, however I get a recording stating they are unable to answer my call at this time.
Consumer complaint received 2024-08-13
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. (CA)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation?

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNT : XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-07-05
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: BARCLAYS BANK DELAWARE (FL)

I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, XXXX detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : XXXX XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) BRCLYBANKDE ( XX/XX/XXXX )
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Credit Management is reporting two open accounts on my consumer report which I do not owe. The first account is having an opened date of XX/XX/year>, for {$640.00} and the other account has an opened date of XX/XX/year>, for {$3700.00}. I sent a letter requesting the removal of the information and they did not. I was sued by Midland Credit Management and the result was in my favor and still they refuse to remove the information.
Consumer complaint received 2023-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

Dear XXXX I hope this message finds you well. I am writing to formally dispute the denial of my recent claim. Regarding a partial refund for the authorized transaction on my bank account. The denial letter dated XX/XX/2023 stated that my claim was denied due to the claim being authorized. I would like to provide additional information to support my claim and request a review of the decision. The transaction in question, which occurred in early XXXXXX/XX/2023, was authorized by me, and I believe it is a case of miscommunication. I stated that my transaction was authorized but not fully rendered. I requested a partial refund in this situation. I contacted the merchant on XX/XX/2023 and requested a refund and was told it was being investigated. I continued to hold out hope but failed and finally decided to file a dispute with the bank. I kindly request that you review my case thoroughly and reconsider the denial of my claim. The transaction has caused significant financial distress, and I am counting on your support to resolve this matter promptly. Please let me know the expected timeline for this review and any additional information or documents you XXXX require from me. I appreciate your attention to this matter and look forward to a prompt resolution. You can reach me at XXXX or XXXX if you require any further information. Thank you for your prompt assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-18
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (CA)

Because of this identity theft it has ruined my life those creditwise and the mental toll it is taken on me the debt is for over XXXX for a cellular phone service with XXXX XXXX I have turned in every single police report the FTC reports the IRS reports and it addition the report of the gentleman who opened these accounts and stole my identity during the XXXX breach has been arrested I still get hit with delinquent notices on my credit report every month and I just keep getting the emails from the credit people who the debt was sold to and they want {$2700.00} and they keep saying oh well these are different ways you can pay off the debt but the debt isn't mine and I've done everything to prove this to be the case I've done three different disputes with the credit agency nothing is helping it is not my debt
Consumer complaint received 2023-08-30
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TapTap Send Inc. (TN)

On XX/XX/2023 I used their services ( Tap Tap Send ) to send {$680.00} to my family in XXXX for medical emergency. They were supposed to receive the money within minutes, but until the time that I am making this complaint my family have not received the money and somebody's live is at risk. I contacted the company everyday since the day of the transfer and nothing has been done to solve the issue. I even explained to them that it was for medical expenses, they promised to escalate and resolve it ASAP on Sunday but nothing has been done. Everytime I call the give me the same answer with no time line on when to expect it to be resolved.
Consumer complaint received 2024-08-13
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. (IL)

Consumer Name : XXXX XXXX XXXX XXXX Social Security XXXX : XXXX, Consumer Date of Birth : 04.19.1996 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , XXXX agency XXXX Experian agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.