davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CO)

Please reference Case Number : XXXX & XXXX The investigation was closed because there was a payment on XX/XX/XXXX from the town of Monument to the XXXX  XXXX for {$4500.00} That is a separate and unrelated transaction to the {$4500.00} that was lost. 

If you would like to verify that the XX/XX/XXXX, payment from XXXX to the XXXX was a separate transaction, please do so. Here is the accounting contact for the Town of XXXX : XXXX XXXX XXXX As a summary here is the chain of events : In Late XXXX, the Town of XXXX paid the XXXX  XXXX {$4500.00}. They were paying us for a service they use us for. 

After the XXXX received that {$4500.00}, XXXX contacted us and wanted to cancel that service. 

On XX/XX/XXXX, the XXXX refunded XXXX {$4500.00} via the online Bill Pay system. 

That is the {$4500.00} that Wells Fargo turned into an electronic payment and sent to XXXX XXXX. That money was never received by the XXXX of XXXX and is still lost. XXXX years after the transaction was made. 

In XXXX of XXXX, the XXXX of XXXX decided that they would indeed need our services, so they paid us AGAIN in a separate {$4500.00} transaction. 

It is that XX/XX/XXXX transaction that Wells Fargo has assumed was the lost/found money, but it is not. It was a completely separate transaction. 

The {$4500.00} that was sent to XXXX XXXX on XX/XX/XXXX has never been found by the XXXX of XXXX, nor has it been returned to the XXXX XXXX. 

Please re-open this investigation with the correct information so that we can recover the lost money.
Consumer complaint received 2024-09-08
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. (IA)

I received a copy of my credit report and found the following item to be in error. 

XXXX XXXX XXXX XXXX account {$700.00} past due XX/XX/year> By the provisions of the Fair credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cant verify. I understand that under 15 USC Sec 1681i ( a ) you must complete this investigation within 30 days of the receipt of this letter
Consumer complaint received 2024-10-29
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 2023-08-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: PLAID INC. (LA)

Every since XX/XX/ I have had several problems with my child 's ssa check and all of the money I was getting from unemployment, child support, income tax return etc and still this day I'm having this very same issue my prepaid card with XXXX  has been debited XXXX of dollars and none of which I approved lately every since my id and birth certificate ss card and all of these same documents for my children were stolen I have not been able to go prove who i am and the card company takes no responsibility for the money that has been taken from my accounts
Consumer complaint received 2024-09-08
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)

XXXX XXXX electronically got my info ( XXXX, XXXX, address, name, etc. ) from a third party and opened a credit account without my consent, authority, agreement, or wet ink signature. XXXX XXXX admits to having no physical or electronic signature and admits that is only XXXX XXXX 's " belief '' that the account was created by me. XXXX XXXX has not and can not provide any physical proof that I created the credit account as I have requested the physical proof for over 6 months now. Yet having no proof or authority, XXXX XXXX continues to publish derogatory comments on my credit report without any enforceable instrument to do so. I had been disputing the XXXX XXXX account for over 6 months while XXXX XXXX was attempting to collect so I asked XXXX XXXX for a forensic account audit on XX/XX/2024 via CFPB case # XXXX, & then mysteriously on XX/XX/2024, XXXX XXXX charged off the account which lead me to believe that XXXX XXXXXXXX was attempting to collect on an account that was already paid & written off. My consumer rights are protected as The UCC states ( a ) A person is not liable on an instrument unless ( i ) the person signed the instrument, or ( ii ) the person is represented by an agent or representative who signed the instrument and the signature is binding on the represented person under Section 3-402. The UCC requires that any contract for the sale of goods that is worth {$500.00} or more must be in writing and signed by the person the contract is being enforced against. Under UCC Section 3-401 ( a ) If the party does not sign, the party can not be held liable. XXXX XXXX need cease & desist, remove all derogatory marks & publishing ( s ) of account on my credit report especially with Experian credit reporting. Experian claims the information is not on my credit report yet Experian is the only company continually reporting the info for which I am disputing.
Consumer complaint received 2024-09-21
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. (NC)

I have asked on several instances for my credit report to be rectified, I have ask for verification and reverification of the information on my report which I was informed but all that they had verified and after doing my own research found this to be inaccurate. I have found the information on my report to be fraud and Per FCRA 605B ( 15 U.S.C. 1681c-2 ) it requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. This information continue to be detrimental to my personal credit, 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. 
My Identity was fraudulently utilized to try and obtain credit, Obtain 2 apartment for rent and to buy into a ponzi scheme see attached : Court docket number XXXX refers to the case United States v. XXXX XXXX in the U.S. District Court for the District of Nebraska. Charge : Wire fraud in violation of 18 U.S.C. 1343. Outcome : XXXX pled guilty and admitted to misappropriating at least {>= $1,000,000} of investor funds. On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. United States v. XXXX XXXX ; United States v. XXXX XXXX ; United States XXXX XXXX XXXX XXXX Department of Justice
Consumer complaint received 2024-10-29
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)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-10-29
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)

The unauthorized entries on my consumer report persist despite documented disputes. These fraudulent items resulted from identity theft and were never authorized by me. Your continued reporting of this information violates the Fair Credit Reporting Act and identity theft protection laws.
Consumer complaint received 2024-09-08
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. (NM)

I keep asking for my wet signature and all proof that goes with it. Also I have had my credit frozen off and on for the last four years because someone has been trying to use my name. Some how the freeze keeps getting turned off. 
Someone made an account in my name for XXXX XXXX, so I cant even get into that one to see what is on there. 
Experian had all kinds of names on there that werent even my names. Also addresses that I hadnt even seen before. 
Not any of the sites are the same. They look horrible!! I have tried to dispute but nothing gets done. 
This cant be legal, to be putting false information out there. I dont believe they are able to share wrong information. Which all of them are doing. I have reported repeatedly that my identity had been stolen, and My name has been in the XXXX XXXX XXXX Data breach, XXXX  data breachXXXX XXXX XXXX XXXXXXXX data breach. My account is high risk and has been that way for quite some time. They were informed of all of it. Dispute after dispute and nothing was done
Consumer complaint received 2024-09-08
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. (GA)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-09-26
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Account # XXXX Dear Sir/Madam, I am writing to formally request the removal of an account associated with XXXX XXXX XXXX from my credit report. A dispute was filed more than 30 days ago, requesting validation of the debt, specifically the assignment contract proving the debt was legally transferred or assigned. To date, there has been no response or valid proof of ownership provided by the creditor or debt collector. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy of information in their credit report, the credit reporting agency is required to investigate the dispute and resolve it within 30 days. Furthermore, if the disputed information can not be verified within this period, the account must be deleted from the consumers credit report as required by law.

I have attached a copy of my Consumer Financial Protection Bureau ( CFPB ) complaint, which also reflects that no valid response or verification has been provided within the legal timeframe.

Given the lack of response and verification, I kindly request that you immediately remove this account from my consumer report in accordance with the FCRA. Please confirm in writing once this action has been completed. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX tached CFPB complaint for further documentation.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely.KOHLS/CAPITAL ONE XXXX
Consumer complaint received 2024-09-08
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. (IL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX, IL XXXX XXXX XXXX XX/XX/2024 **Subject : ** Formal Dispute of Fraudulent Account Under the Fair Credit Reporting Act ( FCRA ) **To : ** Credit Bureau Dispute Department XXXX XXXX XXXX Experian, XXXX ] [ Address of the Credit Bureau ] Dear Sir/Madam, I am writing to formally dispute the inclusion of an account on my credit report that does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information, and I request that the following account be removed from my report immediately : - **Creditor : ** XXXX XXXX XXXXAccount Number : ** XXXX - **Balance Owed : ** {$3800.00} - **Status : ** Charged-off/Bad Debt - **Closed Date : ** [ Date as per report ] XXXX XXXX XXXX  Violation of FCRA : This account does not belong to me, and I have never opened any credit account with XXXX. This is either a case of identity theft or an administrative error. Reporting this account as mine is a violation of the FCRA, as it reflects inaccurate and unverified information. I have no financial responsibility for this account. 

XXXX XXXX XXXX Action Requested : I demand that you investigate this matter immediately, remove this fraudulent account from my credit report, and provide written confirmation that the investigation has been completed and the account has been deleted. If this item is not removed, I request that you provide me with the detailed investigation report and verification of ownership for this account. 

Please note that if this account is not corrected or removed, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action if necessary. 

Enclosed, you will find a copy of my credit report with the fraudulent account highlighted. I have also attached a copy of my ID and a utility bill to verify my identity and address. 

I expect a prompt response, as required by the FCRA, and look forward to receiving written confirmation of the removal of this account from my credit report. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-09
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. (CA)

In a

ccordance 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 consu
mer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-08
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)

XXXX XXXX electronically got my info ( DOB, SSN, address, name, etc. ) from a third party and opened a credit account without my consent, authority, agreement, or wet ink signature. XXXX XXXX admits to having no physical or electronic signature and admits that is only XXXX XXXX XXXX " belief '' that the account was created by me. XXXX XXXX has not and can not provide any physical proof that I created the credit account as I have requested the physical proof for over 6 months now. Yet having no proof or authority, XXXX XXXX continues to publish derogatory comments on my credit report without any enforceable instrument to do so. I had been disputing the XXXX  XXXX account for over 6 months while XXXX  XXXX was attempting to collect so I asked XXXX XXXX for a forensic account audit on XX/XX/year> via CFPB case # XXXX, & then mysteriously on XX/XX/year>, XXXX  XXXX charged off the account which lead me to believe that XXXX  XXXX was attempting to collect on an account that was already paid & written off. My consumer rights are protected as The XXXX states ( a ) A person is not liable on an instrument unless ( i ) the person signed the instrument, or ( ii ) the person is represented by an agent or representative who signed the instrument and the signature is binding on the represented person under Section 3-402. The XXXX requires that any contract for the sale of goods that is worth {$500.00} or more must be in writing and signed by the person the contract is being enforced against. Under XXXX Section 3-401 ( a ) If the party does not sign, the party can not be held liable. XXXX XXXX need cease & desist, remove all derogatory marks & publishing ( s ) of account on my credit report especially with Experian credit reporting. Experian claims the information is not on my credit report yet Experian is the only company continually reporting the info for which I am disputing.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

VALIDATION AND CEASE AND DESIST Dear Sir/MadamXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account # : XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
Sincerely, XXXX XXXX